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$6,642
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,849
−HK$210/mo
Today · 4.125%
HK$7,059
baseline
▲ 0.50% · 4.625%
HK$7,488
+HK$429/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,118/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$7,390
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,588
−HK$201/mo
Today · 4.125%
HK$7,789
baseline
▲ 0.50% · 4.625%
HK$8,199
+HK$410/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,578/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$7,971
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,219
−HK$252/mo
Today · 4.125%
HK$8,471
baseline
▲ 0.50% · 4.625%
HK$8,986
+HK$515/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,942/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$8,867
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,105
−HK$242/mo
Today · 4.125%
HK$9,347
baseline
▲ 0.50% · 4.625%
HK$9,839
+HK$492/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,694/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$9,299
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,589
−HK$293/mo
Today · 4.125%
HK$9,882
baseline
▲ 0.50% · 4.625%
HK$10,484
+HK$602/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$19,764/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,345
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,623
−HK$281/mo
Today · 4.125%
HK$10,904
baseline
▲ 0.50% · 4.625%
HK$11,479
+HK$575/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$21,808/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,956
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,328
−HK$378/mo
Today · 4.125%
HK$12,706
baseline
▲ 0.50% · 4.625%
HK$13,479
+HK$773/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,412/mo (50% DSR)
Upfront cash ≈ HK$291K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,301
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,658
−HK$362/mo
Today · 4.125%
HK$14,020
baseline
▲ 0.50% · 4.625%
HK$14,759
+HK$739/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$28,040/mo (50% DSR)
Upfront cash ≈ HK$291K (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).