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$6,690
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,899
−HK$211/mo
Today · 4.125%
HK$7,110
baseline
▲ 0.50% · 4.625%
HK$7,543
+HK$433/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,220/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$7,443
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,643
−HK$202/mo
Today · 4.125%
HK$7,845
baseline
▲ 0.50% · 4.625%
HK$8,259
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,690/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$8,029
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,278
−HK$254/mo
Today · 4.125%
HK$8,532
baseline
▲ 0.50% · 4.625%
HK$9,051
+HK$519/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,064/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$8,932
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,171
−HK$243/mo
Today · 4.125%
HK$9,414
baseline
▲ 0.50% · 4.625%
HK$9,910
+HK$496/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,828/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$9,367
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,658
−HK$296/mo
Today · 4.125%
HK$9,954
baseline
▲ 0.50% · 4.625%
HK$10,560
+HK$606/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$19,908/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,420
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,700
−HK$283/mo
Today · 4.125%
HK$10,983
baseline
▲ 0.50% · 4.625%
HK$11,562
+HK$579/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$21,966/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,043
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,417
−HK$381/mo
Today · 4.125%
HK$12,798
baseline
▲ 0.50% · 4.625%
HK$13,577
+HK$779/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$25,596/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$13,398
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,757
−HK$364/mo
Today · 4.125%
HK$14,121
baseline
▲ 0.50% · 4.625%
HK$14,866
+HK$745/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$28,242/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).