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$6,641
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,848
−HK$209/mo
Today · 4.125%
HK$7,057
baseline
▲ 0.50% · 4.625%
HK$7,487
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,114/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$7,388
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,586
−HK$201/mo
Today · 4.125%
HK$7,787
baseline
▲ 0.50% · 4.625%
HK$8,198
+HK$411/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,574/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$7,969
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,217
−HK$252/mo
Today · 4.125%
HK$8,469
baseline
▲ 0.50% · 4.625%
HK$8,984
+HK$515/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$16,938/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$8,866
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,103
−HK$242/mo
Today · 4.125%
HK$9,345
baseline
▲ 0.50% · 4.625%
HK$9,837
+HK$492/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$18,690/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$9,297
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,587
−HK$293/mo
Today · 4.125%
HK$9,880
baseline
▲ 0.50% · 4.625%
HK$10,482
+HK$602/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$19,760/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,343
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,621
−HK$281/mo
Today · 4.125%
HK$10,902
baseline
▲ 0.50% · 4.625%
HK$11,477
+HK$575/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$21,804/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,954
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,326
−HK$377/mo
Today · 4.125%
HK$12,703
baseline
▲ 0.50% · 4.625%
HK$13,476
+HK$773/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,406/mo (50% DSR)
Upfront cash ≈ HK$291K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,298
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,655
−HK$362/mo
Today · 4.125%
HK$14,017
baseline
▲ 0.50% · 4.625%
HK$14,756
+HK$739/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$28,034/mo (50% DSR)
Upfront cash ≈ HK$291K (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).