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$6,689
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,897
−HK$211/mo
Today · 4.125%
HK$7,108
baseline
▲ 0.50% · 4.625%
HK$7,541
+HK$433/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,216/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$7,441
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,641
−HK$202/mo
Today · 4.125%
HK$7,843
baseline
▲ 0.50% · 4.625%
HK$8,256
+HK$413/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,686/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$8,026
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,276
−HK$254/mo
Today · 4.125%
HK$8,530
baseline
▲ 0.50% · 4.625%
HK$9,049
+HK$519/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,060/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$8,929
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,169
−HK$243/mo
Today · 4.125%
HK$9,412
baseline
▲ 0.50% · 4.625%
HK$9,908
+HK$496/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,824/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$9,364
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,655
−HK$296/mo
Today · 4.125%
HK$9,951
baseline
▲ 0.50% · 4.625%
HK$10,557
+HK$606/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$19,902/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,417
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,697
−HK$283/mo
Today · 4.125%
HK$10,980
baseline
▲ 0.50% · 4.625%
HK$11,559
+HK$579/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$21,960/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,040
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,414
−HK$380/mo
Today · 4.125%
HK$12,794
baseline
▲ 0.50% · 4.625%
HK$13,573
+HK$779/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$25,588/mo (50% DSR)
Upfront cash ≈ HK$293K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,394
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,753
−HK$364/mo
Today · 4.125%
HK$14,117
baseline
▲ 0.50% · 4.625%
HK$14,862
+HK$745/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$28,234/mo (50% DSR)
Upfront cash ≈ HK$293K (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).