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$6,664
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,872
−HK$210/mo
Today · 4.125%
HK$7,082
baseline
▲ 0.50% · 4.625%
HK$7,513
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,164/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$7,414
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,613
−HK$202/mo
Today · 4.125%
HK$7,815
baseline
▲ 0.50% · 4.625%
HK$8,227
+HK$412/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,630/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$7,997
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,246
−HK$253/mo
Today · 4.125%
HK$8,499
baseline
▲ 0.50% · 4.625%
HK$9,016
+HK$517/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,998/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$8,897
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,136
−HK$242/mo
Today · 4.125%
HK$9,378
baseline
▲ 0.50% · 4.625%
HK$9,872
+HK$494/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,756/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$9,330
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,621
−HK$294/mo
Today · 4.125%
HK$9,915
baseline
▲ 0.50% · 4.625%
HK$10,519
+HK$604/mo
Deposit HK$877K · loan HK$2.05M · min. income ≈ HK$19,830/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$10,380
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,658
−HK$283/mo
Today · 4.125%
HK$10,941
baseline
▲ 0.50% · 4.625%
HK$11,517
+HK$576/mo
Deposit HK$877K · loan HK$2.05M · min. income ≈ HK$21,882/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$11,996
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,369
−HK$379/mo
Today · 4.125%
HK$12,748
baseline
▲ 0.50% · 4.625%
HK$13,524
+HK$776/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,496/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$13,346
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,703
−HK$364/mo
Today · 4.125%
HK$14,067
baseline
▲ 0.50% · 4.625%
HK$14,808
+HK$741/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,134/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).