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$6,679
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,887
−HK$211/mo
Today · 4.125%
HK$7,098
baseline
▲ 0.50% · 4.625%
HK$7,529
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,196/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$7,430
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,629
−HK$202/mo
Today · 4.125%
HK$7,831
baseline
▲ 0.50% · 4.625%
HK$8,244
+HK$413/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,662/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$8,015
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,264
−HK$253/mo
Today · 4.125%
HK$8,517
baseline
▲ 0.50% · 4.625%
HK$9,035
+HK$518/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,034/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$8,916
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,155
−HK$243/mo
Today · 4.125%
HK$9,398
baseline
▲ 0.50% · 4.625%
HK$9,893
+HK$495/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,796/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$9,350
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,641
−HK$296/mo
Today · 4.125%
HK$9,937
baseline
▲ 0.50% · 4.625%
HK$10,541
+HK$604/mo
Deposit HK$879K · loan HK$2.05M · min. income ≈ HK$19,874/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,402
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,681
−HK$283/mo
Today · 4.125%
HK$10,964
baseline
▲ 0.50% · 4.625%
HK$11,542
+HK$578/mo
Deposit HK$879K · loan HK$2.05M · min. income ≈ HK$21,928/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,022
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,396
−HK$380/mo
Today · 4.125%
HK$12,776
baseline
▲ 0.50% · 4.625%
HK$13,553
+HK$777/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$25,552/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$13,374
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,733
−HK$364/mo
Today · 4.125%
HK$14,097
baseline
▲ 0.50% · 4.625%
HK$14,840
+HK$743/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$28,194/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).