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$6,705
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,913
−HK$212/mo
Today · 4.125%
HK$7,125
baseline
▲ 0.50% · 4.625%
HK$7,559
+HK$434/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,250/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$7,459
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,659
−HK$203/mo
Today · 4.125%
HK$7,862
baseline
▲ 0.50% · 4.625%
HK$8,276
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,724/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$8,046
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,296
−HK$254/mo
Today · 4.125%
HK$8,550
baseline
▲ 0.50% · 4.625%
HK$9,070
+HK$520/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$17,100/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$8,951
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,191
−HK$243/mo
Today · 4.125%
HK$9,434
baseline
▲ 0.50% · 4.625%
HK$9,931
+HK$497/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$18,868/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$9,386
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,678
−HK$297/mo
Today · 4.125%
HK$9,975
baseline
▲ 0.50% · 4.625%
HK$10,582
+HK$607/mo
Deposit HK$882K · loan HK$2.06M · min. income ≈ HK$19,950/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,442
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,722
−HK$285/mo
Today · 4.125%
HK$11,007
baseline
▲ 0.50% · 4.625%
HK$11,587
+HK$580/mo
Deposit HK$882K · loan HK$2.06M · min. income ≈ HK$22,014/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,068
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,444
−HK$381/mo
Today · 4.125%
HK$12,825
baseline
▲ 0.50% · 4.625%
HK$13,606
+HK$781/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$25,650/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$13,426
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,786
−HK$365/mo
Today · 4.125%
HK$14,151
baseline
▲ 0.50% · 4.625%
HK$14,897
+HK$746/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$28,302/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).