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$6,703
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,912
−HK$212/mo
Today · 4.125%
HK$7,124
baseline
▲ 0.50% · 4.625%
HK$7,557
+HK$433/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,248/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$7,457
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,657
−HK$203/mo
Today · 4.125%
HK$7,860
baseline
▲ 0.50% · 4.625%
HK$8,275
+HK$415/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,720/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$8,044
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,294
−HK$254/mo
Today · 4.125%
HK$8,548
baseline
▲ 0.50% · 4.625%
HK$9,069
+HK$521/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$17,096/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$8,949
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,189
−HK$243/mo
Today · 4.125%
HK$9,432
baseline
▲ 0.50% · 4.625%
HK$9,930
+HK$498/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$18,864/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$9,385
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,677
−HK$296/mo
Today · 4.125%
HK$9,973
baseline
▲ 0.50% · 4.625%
HK$10,580
+HK$607/mo
Deposit HK$882K · loan HK$2.06M · min. income ≈ HK$19,946/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$10,440
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,720
−HK$284/mo
Today · 4.125%
HK$11,004
baseline
▲ 0.50% · 4.625%
HK$11,584
+HK$580/mo
Deposit HK$882K · loan HK$2.06M · min. income ≈ HK$22,008/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$12,066
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,441
−HK$382/mo
Today · 4.125%
HK$12,823
baseline
▲ 0.50% · 4.625%
HK$13,603
+HK$780/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$25,646/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$13,423
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,783
−HK$366/mo
Today · 4.125%
HK$14,149
baseline
▲ 0.50% · 4.625%
HK$14,894
+HK$745/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$28,298/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).