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$6,660
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,867
−HK$210/mo
Today · 4.125%
HK$7,077
baseline
▲ 0.50% · 4.625%
HK$7,508
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,154/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$7,409
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,608
−HK$201/mo
Today · 4.125%
HK$7,809
baseline
▲ 0.50% · 4.625%
HK$8,221
+HK$412/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,618/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$7,992
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,240
−HK$253/mo
Today · 4.125%
HK$8,493
baseline
▲ 0.50% · 4.625%
HK$9,010
+HK$517/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,986/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$8,891
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,129
−HK$242/mo
Today · 4.125%
HK$9,371
baseline
▲ 0.50% · 4.625%
HK$9,865
+HK$494/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,742/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$9,324
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,614
−HK$294/mo
Today · 4.125%
HK$9,908
baseline
▲ 0.50% · 4.625%
HK$10,511
+HK$603/mo
Deposit HK$876K · loan HK$2.04M · min. income ≈ HK$19,816/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,372
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,651
−HK$282/mo
Today · 4.125%
HK$10,933
baseline
▲ 0.50% · 4.625%
HK$11,509
+HK$576/mo
Deposit HK$876K · loan HK$2.04M · min. income ≈ HK$21,866/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,988
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,360
−HK$379/mo
Today · 4.125%
HK$12,739
baseline
▲ 0.50% · 4.625%
HK$13,514
+HK$775/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,478/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$13,336
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,694
−HK$362/mo
Today · 4.125%
HK$14,056
baseline
▲ 0.50% · 4.625%
HK$14,797
+HK$741/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,112/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).