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$6,668
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,876
−HK$210/mo
Today · 4.125%
HK$7,086
baseline
▲ 0.50% · 4.625%
HK$7,517
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,172/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$7,418
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,617
−HK$202/mo
Today · 4.125%
HK$7,819
baseline
▲ 0.50% · 4.625%
HK$8,231
+HK$412/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,638/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$8,002
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,251
−HK$252/mo
Today · 4.125%
HK$8,503
baseline
▲ 0.50% · 4.625%
HK$9,021
+HK$518/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$17,006/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$8,902
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,141
−HK$242/mo
Today · 4.125%
HK$9,383
baseline
▲ 0.50% · 4.625%
HK$9,877
+HK$494/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,766/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$9,335
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,626
−HK$295/mo
Today · 4.125%
HK$9,921
baseline
▲ 0.50% · 4.625%
HK$10,524
+HK$603/mo
Deposit HK$877K · loan HK$2.05M · min. income ≈ HK$19,842/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$10,385
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,664
−HK$283/mo
Today · 4.125%
HK$10,947
baseline
▲ 0.50% · 4.625%
HK$11,524
+HK$577/mo
Deposit HK$877K · loan HK$2.05M · min. income ≈ HK$21,894/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$12,003
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,376
−HK$379/mo
Today · 4.125%
HK$12,755
baseline
▲ 0.50% · 4.625%
HK$13,531
+HK$776/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,510/mo (50% DSR)
Upfront cash ≈ HK$293K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,353
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,711
−HK$363/mo
Today · 4.125%
HK$14,074
baseline
▲ 0.50% · 4.625%
HK$14,816
+HK$742/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,148/mo (50% DSR)
Upfront cash ≈ HK$293K (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).