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$6,697
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,906
−HK$211/mo
Today · 4.125%
HK$7,117
baseline
▲ 0.50% · 4.625%
HK$7,551
+HK$434/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,234/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$7,451
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,651
−HK$202/mo
Today · 4.125%
HK$7,853
baseline
▲ 0.50% · 4.625%
HK$8,267
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,706/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$8,037
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,287
−HK$254/mo
Today · 4.125%
HK$8,541
baseline
▲ 0.50% · 4.625%
HK$9,061
+HK$520/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,082/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$8,941
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,181
−HK$243/mo
Today · 4.125%
HK$9,424
baseline
▲ 0.50% · 4.625%
HK$9,921
+HK$497/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,848/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$9,376
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,668
−HK$296/mo
Today · 4.125%
HK$9,964
baseline
▲ 0.50% · 4.625%
HK$10,571
+HK$607/mo
Deposit HK$881K · loan HK$2.06M · min. income ≈ HK$19,928/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$10,431
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,711
−HK$284/mo
Today · 4.125%
HK$10,995
baseline
▲ 0.50% · 4.625%
HK$11,574
+HK$579/mo
Deposit HK$881K · loan HK$2.06M · min. income ≈ HK$21,990/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$12,055
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,430
−HK$381/mo
Today · 4.125%
HK$12,811
baseline
▲ 0.50% · 4.625%
HK$13,591
+HK$780/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$25,622/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$13,412
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,771
−HK$365/mo
Today · 4.125%
HK$14,136
baseline
▲ 0.50% · 4.625%
HK$14,881
+HK$745/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$28,272/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).