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$6,651
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,858
−HK$211/mo
Today · 4.125%
HK$7,069
baseline
▲ 0.50% · 4.625%
HK$7,499
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,138/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$7,400
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,598
−HK$201/mo
Today · 4.125%
HK$7,799
baseline
▲ 0.50% · 4.625%
HK$8,211
+HK$412/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,598/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$7,982
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,230
−HK$252/mo
Today · 4.125%
HK$8,482
baseline
▲ 0.50% · 4.625%
HK$8,998
+HK$516/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,964/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$8,880
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,118
−HK$241/mo
Today · 4.125%
HK$9,359
baseline
▲ 0.50% · 4.625%
HK$9,853
+HK$494/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,718/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$9,312
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,602
−HK$294/mo
Today · 4.125%
HK$9,896
baseline
▲ 0.50% · 4.625%
HK$10,498
+HK$602/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$19,792/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,359
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,637
−HK$282/mo
Today · 4.125%
HK$10,919
baseline
▲ 0.50% · 4.625%
HK$11,495
+HK$576/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$21,838/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,973
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,345
−HK$378/mo
Today · 4.125%
HK$12,723
baseline
▲ 0.50% · 4.625%
HK$13,498
+HK$775/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,446/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$13,319
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,677
−HK$362/mo
Today · 4.125%
HK$14,039
baseline
▲ 0.50% · 4.625%
HK$14,779
+HK$740/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,078/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).