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$6,674
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,881
−HK$211/mo
Today · 4.125%
HK$7,092
baseline
▲ 0.50% · 4.625%
HK$7,524
+HK$432/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,184/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$7,424
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,624
−HK$202/mo
Today · 4.125%
HK$7,826
baseline
▲ 0.50% · 4.625%
HK$8,238
+HK$412/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,652/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$8,008
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,258
−HK$253/mo
Today · 4.125%
HK$8,511
baseline
▲ 0.50% · 4.625%
HK$9,028
+HK$517/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,022/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$8,909
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,148
−HK$243/mo
Today · 4.125%
HK$9,391
baseline
▲ 0.50% · 4.625%
HK$9,886
+HK$495/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,782/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$9,343
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,634
−HK$295/mo
Today · 4.125%
HK$9,929
baseline
▲ 0.50% · 4.625%
HK$10,533
+HK$604/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$19,858/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,394
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,673
−HK$283/mo
Today · 4.125%
HK$10,956
baseline
▲ 0.50% · 4.625%
HK$11,533
+HK$577/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$21,912/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,013
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,386
−HK$380/mo
Today · 4.125%
HK$12,766
baseline
▲ 0.50% · 4.625%
HK$13,543
+HK$777/mo
Deposit HK$293K · loan HK$2.63M · min. income ≈ HK$25,532/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$13,364
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,722
−HK$364/mo
Today · 4.125%
HK$14,086
baseline
▲ 0.50% · 4.625%
HK$14,828
+HK$742/mo
Deposit HK$293K · loan HK$2.63M · min. income ≈ HK$28,172/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).