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$6,708
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,917
−HK$212/mo
Today · 4.125%
HK$7,129
baseline
▲ 0.50% · 4.625%
HK$7,563
+HK$434/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,258/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$7,463
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,663
−HK$203/mo
Today · 4.125%
HK$7,866
baseline
▲ 0.50% · 4.625%
HK$8,281
+HK$415/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,732/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$8,050
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,300
−HK$255/mo
Today · 4.125%
HK$8,555
baseline
▲ 0.50% · 4.625%
HK$9,075
+HK$520/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,110/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$8,955
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,196
−HK$243/mo
Today · 4.125%
HK$9,439
baseline
▲ 0.50% · 4.625%
HK$9,937
+HK$498/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,878/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$9,392
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,684
−HK$296/mo
Today · 4.125%
HK$9,980
baseline
▲ 0.50% · 4.625%
HK$10,588
+HK$608/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$19,960/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$10,448
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,728
−HK$284/mo
Today · 4.125%
HK$11,012
baseline
▲ 0.50% · 4.625%
HK$11,593
+HK$581/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$22,024/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$12,075
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,450
−HK$382/mo
Today · 4.125%
HK$12,832
baseline
▲ 0.50% · 4.625%
HK$13,613
+HK$781/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$25,664/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$13,433
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,793
−HK$366/mo
Today · 4.125%
HK$14,159
baseline
▲ 0.50% · 4.625%
HK$14,905
+HK$746/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$28,318/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).