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$6,715
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,924
−HK$212/mo
Today · 4.125%
HK$7,136
baseline
▲ 0.50% · 4.625%
HK$7,571
+HK$435/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,272/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$7,471
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,671
−HK$203/mo
Today · 4.125%
HK$7,874
baseline
▲ 0.50% · 4.625%
HK$8,289
+HK$415/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,748/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$8,058
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,309
−HK$255/mo
Today · 4.125%
HK$8,564
baseline
▲ 0.50% · 4.625%
HK$9,085
+HK$521/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,128/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,965
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,205
−HK$244/mo
Today · 4.125%
HK$9,449
baseline
▲ 0.50% · 4.625%
HK$9,947
+HK$498/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,898/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,401
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,694
−HK$297/mo
Today · 4.125%
HK$9,991
baseline
▲ 0.50% · 4.625%
HK$10,599
+HK$608/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$19,982/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,459
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,739
−HK$285/mo
Today · 4.125%
HK$11,024
baseline
▲ 0.50% · 4.625%
HK$11,605
+HK$581/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$22,048/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,087
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,463
−HK$382/mo
Today · 4.125%
HK$12,845
baseline
▲ 0.50% · 4.625%
HK$13,627
+HK$782/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$25,690/mo (50% DSR)
Upfront cash ≈ HK$295K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,447
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,808
−HK$366/mo
Today · 4.125%
HK$14,174
baseline
▲ 0.50% · 4.625%
HK$14,921
+HK$747/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$28,348/mo (50% DSR)
Upfront cash ≈ HK$295K (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).