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$6,700
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,908
−HK$212/mo
Today · 4.125%
HK$7,120
baseline
▲ 0.50% · 4.625%
HK$7,553
+HK$433/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,240/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$7,454
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,654
−HK$202/mo
Today · 4.125%
HK$7,856
baseline
▲ 0.50% · 4.625%
HK$8,270
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,712/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$8,040
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,290
−HK$254/mo
Today · 4.125%
HK$8,544
baseline
▲ 0.50% · 4.625%
HK$9,064
+HK$520/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$17,088/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,944
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,184
−HK$244/mo
Today · 4.125%
HK$9,428
baseline
▲ 0.50% · 4.625%
HK$9,925
+HK$497/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$18,856/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,380
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,672
−HK$296/mo
Today · 4.125%
HK$9,968
baseline
▲ 0.50% · 4.625%
HK$10,575
+HK$607/mo
Deposit HK$881K · loan HK$2.06M · min. income ≈ HK$19,936/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,435
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,715
−HK$284/mo
Today · 4.125%
HK$10,999
baseline
▲ 0.50% · 4.625%
HK$11,579
+HK$580/mo
Deposit HK$881K · loan HK$2.06M · min. income ≈ HK$21,998/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,060
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,435
−HK$381/mo
Today · 4.125%
HK$12,816
baseline
▲ 0.50% · 4.625%
HK$13,596
+HK$780/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$25,632/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$13,417
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,776
−HK$365/mo
Today · 4.125%
HK$14,141
baseline
▲ 0.50% · 4.625%
HK$14,887
+HK$746/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$28,282/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).