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$6,696
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,904
−HK$212/mo
Today · 4.125%
HK$7,116
baseline
▲ 0.50% · 4.625%
HK$7,549
+HK$433/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,232/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$7,449
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,649
−HK$202/mo
Today · 4.125%
HK$7,851
baseline
▲ 0.50% · 4.625%
HK$8,265
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,702/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$8,035
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,285
−HK$254/mo
Today · 4.125%
HK$8,539
baseline
▲ 0.50% · 4.625%
HK$9,058
+HK$519/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,078/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$8,939
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,178
−HK$244/mo
Today · 4.125%
HK$9,422
baseline
▲ 0.50% · 4.625%
HK$9,918
+HK$496/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,844/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$9,374
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,666
−HK$296/mo
Today · 4.125%
HK$9,962
baseline
▲ 0.50% · 4.625%
HK$10,568
+HK$606/mo
Deposit HK$881K · loan HK$2.06M · min. income ≈ HK$19,924/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,428
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,708
−HK$284/mo
Today · 4.125%
HK$10,992
baseline
▲ 0.50% · 4.625%
HK$11,571
+HK$579/mo
Deposit HK$881K · loan HK$2.06M · min. income ≈ HK$21,984/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,052
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,427
−HK$381/mo
Today · 4.125%
HK$12,808
baseline
▲ 0.50% · 4.625%
HK$13,587
+HK$779/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$25,616/mo (50% DSR)
Upfront cash ≈ HK$294K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,408
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,768
−HK$364/mo
Today · 4.125%
HK$14,132
baseline
▲ 0.50% · 4.625%
HK$14,877
+HK$745/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$28,264/mo (50% DSR)
Upfront cash ≈ HK$294K (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).