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$6,642
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,848
−HK$210/mo
Today · 4.125%
HK$7,058
baseline
▲ 0.50% · 4.625%
HK$7,488
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,116/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$7,389
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,587
−HK$201/mo
Today · 4.125%
HK$7,788
baseline
▲ 0.50% · 4.625%
HK$8,198
+HK$410/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,576/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$7,970
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,218
−HK$252/mo
Today · 4.125%
HK$8,470
baseline
▲ 0.50% · 4.625%
HK$8,985
+HK$515/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,940/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$8,867
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,104
−HK$242/mo
Today · 4.125%
HK$9,346
baseline
▲ 0.50% · 4.625%
HK$9,838
+HK$492/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,692/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$9,298
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,588
−HK$293/mo
Today · 4.125%
HK$9,881
baseline
▲ 0.50% · 4.625%
HK$10,483
+HK$602/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$19,762/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$10,344
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,622
−HK$281/mo
Today · 4.125%
HK$10,903
baseline
▲ 0.50% · 4.625%
HK$11,478
+HK$575/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$21,806/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$11,955
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,327
−HK$378/mo
Today · 4.125%
HK$12,705
baseline
▲ 0.50% · 4.625%
HK$13,478
+HK$773/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,410/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$13,300
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,656
−HK$362/mo
Today · 4.125%
HK$14,018
baseline
▲ 0.50% · 4.625%
HK$14,757
+HK$739/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$28,036/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).