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$6,698
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,907
−HK$211/mo
Today · 4.125%
HK$7,118
baseline
▲ 0.50% · 4.625%
HK$7,552
+HK$434/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,236/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$7,452
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,652
−HK$202/mo
Today · 4.125%
HK$7,854
baseline
▲ 0.50% · 4.625%
HK$8,268
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,708/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$8,038
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,288
−HK$254/mo
Today · 4.125%
HK$8,542
baseline
▲ 0.50% · 4.625%
HK$9,062
+HK$520/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$17,084/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$8,942
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,182
−HK$243/mo
Today · 4.125%
HK$9,425
baseline
▲ 0.50% · 4.625%
HK$9,922
+HK$497/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$18,850/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$9,378
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,669
−HK$297/mo
Today · 4.125%
HK$9,966
baseline
▲ 0.50% · 4.625%
HK$10,572
+HK$606/mo
Deposit HK$881K · loan HK$2.06M · min. income ≈ HK$19,932/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,433
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,712
−HK$284/mo
Today · 4.125%
HK$10,996
baseline
▲ 0.50% · 4.625%
HK$11,576
+HK$580/mo
Deposit HK$881K · loan HK$2.06M · min. income ≈ HK$21,992/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,057
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,432
−HK$381/mo
Today · 4.125%
HK$12,813
baseline
▲ 0.50% · 4.625%
HK$13,593
+HK$780/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$25,626/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$13,413
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,773
−HK$365/mo
Today · 4.125%
HK$14,138
baseline
▲ 0.50% · 4.625%
HK$14,883
+HK$745/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$28,276/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).