The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$6,645
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,851
−HK$210/mo
Today · 4.125%
HK$7,061
baseline
▲ 0.50% · 4.625%
HK$7,491
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,122/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,392
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,590
−HK$202/mo
Today · 4.125%
HK$7,792
baseline
▲ 0.50% · 4.625%
HK$8,202
+HK$410/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,584/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,974
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,222
−HK$252/mo
Today · 4.125%
HK$8,474
baseline
▲ 0.50% · 4.625%
HK$8,989
+HK$515/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,948/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,871
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,109
−HK$241/mo
Today · 4.125%
HK$9,350
baseline
▲ 0.50% · 4.625%
HK$9,843
+HK$493/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,700/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,303
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,592
−HK$294/mo
Today · 4.125%
HK$9,886
baseline
▲ 0.50% · 4.625%
HK$10,488
+HK$602/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$19,772/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,349
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,627
−HK$281/mo
Today · 4.125%
HK$10,908
baseline
▲ 0.50% · 4.625%
HK$11,483
+HK$575/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$21,816/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,961
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,333
−HK$378/mo
Today · 4.125%
HK$12,711
baseline
▲ 0.50% · 4.625%
HK$13,484
+HK$773/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,422/mo (50% DSR)
Upfront cash ≈ HK$292K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,306
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,663
−HK$362/mo
Today · 4.125%
HK$14,025
baseline
▲ 0.50% · 4.625%
HK$14,764
+HK$739/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$28,050/mo (50% DSR)
Upfront cash ≈ HK$292K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).