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$6,725
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,934
−HK$212/mo
Today · 4.125%
HK$7,146
baseline
▲ 0.50% · 4.625%
HK$7,581
+HK$435/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,292/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$7,481
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,682
−HK$203/mo
Today · 4.125%
HK$7,885
baseline
▲ 0.50% · 4.625%
HK$8,301
+HK$416/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,770/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$8,069
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,320
−HK$255/mo
Today · 4.125%
HK$8,575
baseline
▲ 0.50% · 4.625%
HK$9,097
+HK$522/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,150/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$8,977
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,218
−HK$244/mo
Today · 4.125%
HK$9,462
baseline
▲ 0.50% · 4.625%
HK$9,961
+HK$499/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,924/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$9,414
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,707
−HK$298/mo
Today · 4.125%
HK$10,005
baseline
▲ 0.50% · 4.625%
HK$10,613
+HK$608/mo
Deposit HK$885K · loan HK$2.06M · min. income ≈ HK$20,010/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,473
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,754
−HK$285/mo
Today · 4.125%
HK$11,039
baseline
▲ 0.50% · 4.625%
HK$11,621
+HK$582/mo
Deposit HK$885K · loan HK$2.06M · min. income ≈ HK$22,078/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,104
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,481
−HK$382/mo
Today · 4.125%
HK$12,863
baseline
▲ 0.50% · 4.625%
HK$13,646
+HK$783/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$25,726/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$13,466
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,827
−HK$366/mo
Today · 4.125%
HK$14,193
baseline
▲ 0.50% · 4.625%
HK$14,941
+HK$748/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$28,386/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).