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$6,721
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,930
−HK$212/mo
Today · 4.125%
HK$7,142
baseline
▲ 0.50% · 4.625%
HK$7,577
+HK$435/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,284/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$7,477
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,677
−HK$204/mo
Today · 4.125%
HK$7,881
baseline
▲ 0.50% · 4.625%
HK$8,296
+HK$415/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,762/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$8,065
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,316
−HK$254/mo
Today · 4.125%
HK$8,570
baseline
▲ 0.50% · 4.625%
HK$9,092
+HK$522/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,140/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$8,972
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,213
−HK$244/mo
Today · 4.125%
HK$9,457
baseline
▲ 0.50% · 4.625%
HK$9,955
+HK$498/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,914/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$9,409
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,701
−HK$298/mo
Today · 4.125%
HK$9,999
baseline
▲ 0.50% · 4.625%
HK$10,607
+HK$608/mo
Deposit HK$884K · loan HK$2.06M · min. income ≈ HK$19,998/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,467
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,748
−HK$285/mo
Today · 4.125%
HK$11,033
baseline
▲ 0.50% · 4.625%
HK$11,614
+HK$581/mo
Deposit HK$884K · loan HK$2.06M · min. income ≈ HK$22,066/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,097
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,473
−HK$383/mo
Today · 4.125%
HK$12,856
baseline
▲ 0.50% · 4.625%
HK$13,638
+HK$782/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$25,712/mo (50% DSR)
Upfront cash ≈ HK$295K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,458
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,819
−HK$366/mo
Today · 4.125%
HK$14,185
baseline
▲ 0.50% · 4.625%
HK$14,933
+HK$748/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$28,370/mo (50% DSR)
Upfront cash ≈ HK$295K (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).