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$6,710
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,918
−HK$213/mo
Today · 4.125%
HK$7,131
baseline
▲ 0.50% · 4.625%
HK$7,564
+HK$433/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,262/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$7,465
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,665
−HK$203/mo
Today · 4.125%
HK$7,868
baseline
▲ 0.50% · 4.625%
HK$8,283
+HK$415/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,736/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$8,052
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,302
−HK$255/mo
Today · 4.125%
HK$8,557
baseline
▲ 0.50% · 4.625%
HK$9,077
+HK$520/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,114/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,957
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,198
−HK$243/mo
Today · 4.125%
HK$9,441
baseline
▲ 0.50% · 4.625%
HK$9,939
+HK$498/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,882/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,394
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,686
−HK$297/mo
Today · 4.125%
HK$9,983
baseline
▲ 0.50% · 4.625%
HK$10,590
+HK$607/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$19,966/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,450
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,731
−HK$284/mo
Today · 4.125%
HK$11,015
baseline
▲ 0.50% · 4.625%
HK$11,596
+HK$581/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$22,030/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,078
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,453
−HK$382/mo
Today · 4.125%
HK$12,835
baseline
▲ 0.50% · 4.625%
HK$13,616
+HK$781/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$25,670/mo (50% DSR)
Upfront cash ≈ HK$294K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,436
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,796
−HK$366/mo
Today · 4.125%
HK$14,162
baseline
▲ 0.50% · 4.625%
HK$14,909
+HK$747/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$28,324/mo (50% DSR)
Upfront cash ≈ HK$294K (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).