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$6,649
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,856
−HK$210/mo
Today · 4.125%
HK$7,066
baseline
▲ 0.50% · 4.625%
HK$7,496
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,132/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$7,397
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,595
−HK$202/mo
Today · 4.125%
HK$7,797
baseline
▲ 0.50% · 4.625%
HK$8,207
+HK$410/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,594/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$7,979
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,227
−HK$252/mo
Today · 4.125%
HK$8,479
baseline
▲ 0.50% · 4.625%
HK$8,995
+HK$516/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,958/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$8,876
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,114
−HK$242/mo
Today · 4.125%
HK$9,356
baseline
▲ 0.50% · 4.625%
HK$9,849
+HK$493/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,712/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$9,309
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,598
−HK$294/mo
Today · 4.125%
HK$9,892
baseline
▲ 0.50% · 4.625%
HK$10,494
+HK$602/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$19,784/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,356
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,633
−HK$282/mo
Today · 4.125%
HK$10,915
baseline
▲ 0.50% · 4.625%
HK$11,490
+HK$575/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$21,830/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,968
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,340
−HK$379/mo
Today · 4.125%
HK$12,719
baseline
▲ 0.50% · 4.625%
HK$13,493
+HK$774/mo
Deposit HK$292K · loan HK$2.62M · min. income ≈ HK$25,438/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$13,314
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,672
−HK$362/mo
Today · 4.125%
HK$14,034
baseline
▲ 0.50% · 4.625%
HK$14,773
+HK$739/mo
Deposit HK$292K · loan HK$2.62M · min. income ≈ HK$28,068/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).