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$6,712
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,920
−HK$212/mo
Today · 4.125%
HK$7,132
baseline
▲ 0.50% · 4.625%
HK$7,566
+HK$434/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,264/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$7,467
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,667
−HK$203/mo
Today · 4.125%
HK$7,870
baseline
▲ 0.50% · 4.625%
HK$8,285
+HK$415/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,740/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$8,054
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,304
−HK$255/mo
Today · 4.125%
HK$8,559
baseline
▲ 0.50% · 4.625%
HK$9,080
+HK$521/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,118/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$8,960
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,200
−HK$244/mo
Today · 4.125%
HK$9,444
baseline
▲ 0.50% · 4.625%
HK$9,942
+HK$498/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,888/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$9,396
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,689
−HK$296/mo
Today · 4.125%
HK$9,985
baseline
▲ 0.50% · 4.625%
HK$10,593
+HK$608/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$19,970/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,453
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,734
−HK$284/mo
Today · 4.125%
HK$11,018
baseline
▲ 0.50% · 4.625%
HK$11,599
+HK$581/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$22,036/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,081
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,457
−HK$381/mo
Today · 4.125%
HK$12,838
baseline
▲ 0.50% · 4.625%
HK$13,620
+HK$782/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$25,676/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$13,440
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,800
−HK$366/mo
Today · 4.125%
HK$14,166
baseline
▲ 0.50% · 4.625%
HK$14,913
+HK$747/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$28,332/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).