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$6,666
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,873
−HK$211/mo
Today · 4.125%
HK$7,084
baseline
▲ 0.50% · 4.625%
HK$7,515
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,168/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,415
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,614
−HK$202/mo
Today · 4.125%
HK$7,816
baseline
▲ 0.50% · 4.625%
HK$8,228
+HK$412/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,632/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,999
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,248
−HK$252/mo
Today · 4.125%
HK$8,500
baseline
▲ 0.50% · 4.625%
HK$9,018
+HK$518/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$17,000/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,899
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,137
−HK$242/mo
Today · 4.125%
HK$9,379
baseline
▲ 0.50% · 4.625%
HK$9,874
+HK$495/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,758/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,332
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,622
−HK$295/mo
Today · 4.125%
HK$9,917
baseline
▲ 0.50% · 4.625%
HK$10,521
+HK$604/mo
Deposit HK$877K · loan HK$2.05M · min. income ≈ HK$19,834/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,382
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,660
−HK$283/mo
Today · 4.125%
HK$10,943
baseline
▲ 0.50% · 4.625%
HK$11,519
+HK$576/mo
Deposit HK$877K · loan HK$2.05M · min. income ≈ HK$21,886/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,998
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,371
−HK$380/mo
Today · 4.125%
HK$12,751
baseline
▲ 0.50% · 4.625%
HK$13,526
+HK$775/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,502/mo (50% DSR)
Upfront cash ≈ HK$292K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,348
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,706
−HK$363/mo
Today · 4.125%
HK$14,069
baseline
▲ 0.50% · 4.625%
HK$14,811
+HK$742/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,138/mo (50% DSR)
Upfront cash ≈ HK$292K (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).