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$6,662
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,869
−HK$211/mo
Today · 4.125%
HK$7,080
baseline
▲ 0.50% · 4.625%
HK$7,510
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,160/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$7,411
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,610
−HK$202/mo
Today · 4.125%
HK$7,812
baseline
▲ 0.50% · 4.625%
HK$8,223
+HK$411/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,624/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$7,994
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,243
−HK$252/mo
Today · 4.125%
HK$8,495
baseline
▲ 0.50% · 4.625%
HK$9,012
+HK$517/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,990/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$8,893
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,132
−HK$242/mo
Today · 4.125%
HK$9,374
baseline
▲ 0.50% · 4.625%
HK$9,868
+HK$494/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,748/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$9,326
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,617
−HK$294/mo
Today · 4.125%
HK$9,911
baseline
▲ 0.50% · 4.625%
HK$10,514
+HK$603/mo
Deposit HK$876K · loan HK$2.05M · min. income ≈ HK$19,822/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,376
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,654
−HK$282/mo
Today · 4.125%
HK$10,936
baseline
▲ 0.50% · 4.625%
HK$11,513
+HK$577/mo
Deposit HK$876K · loan HK$2.05M · min. income ≈ HK$21,872/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,991
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,364
−HK$379/mo
Today · 4.125%
HK$12,743
baseline
▲ 0.50% · 4.625%
HK$13,519
+HK$776/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,486/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$13,340
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,698
−HK$363/mo
Today · 4.125%
HK$14,061
baseline
▲ 0.50% · 4.625%
HK$14,802
+HK$741/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,122/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).