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$6,681
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,889
−HK$211/mo
Today · 4.125%
HK$7,100
baseline
▲ 0.50% · 4.625%
HK$7,532
+HK$432/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,200/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,433
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,632
−HK$202/mo
Today · 4.125%
HK$7,834
baseline
▲ 0.50% · 4.625%
HK$8,247
+HK$413/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,668/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,017
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,267
−HK$253/mo
Today · 4.125%
HK$8,520
baseline
▲ 0.50% · 4.625%
HK$9,039
+HK$519/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,040/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$8,919
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,159
−HK$242/mo
Today · 4.125%
HK$9,401
baseline
▲ 0.50% · 4.625%
HK$9,897
+HK$496/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,802/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$9,354
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,645
−HK$295/mo
Today · 4.125%
HK$9,940
baseline
▲ 0.50% · 4.625%
HK$10,545
+HK$605/mo
Deposit HK$879K · loan HK$2.05M · min. income ≈ HK$19,880/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,406
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,685
−HK$283/mo
Today · 4.125%
HK$10,968
baseline
▲ 0.50% · 4.625%
HK$11,546
+HK$578/mo
Deposit HK$879K · loan HK$2.05M · min. income ≈ HK$21,936/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,026
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,400
−HK$380/mo
Today · 4.125%
HK$12,780
baseline
▲ 0.50% · 4.625%
HK$13,558
+HK$778/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$25,560/mo (50% DSR)
Upfront cash ≈ HK$293K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,379
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,738
−HK$364/mo
Today · 4.125%
HK$14,102
baseline
▲ 0.50% · 4.625%
HK$14,845
+HK$743/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$28,204/mo (50% DSR)
Upfront cash ≈ HK$293K (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).