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$6,659
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,866
−HK$210/mo
Today · 4.125%
HK$7,076
baseline
▲ 0.50% · 4.625%
HK$7,507
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,152/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$7,408
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,606
−HK$202/mo
Today · 4.125%
HK$7,808
baseline
▲ 0.50% · 4.625%
HK$8,219
+HK$411/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,616/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$7,990
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,239
−HK$252/mo
Today · 4.125%
HK$8,491
baseline
▲ 0.50% · 4.625%
HK$9,008
+HK$517/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,982/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$8,889
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,128
−HK$241/mo
Today · 4.125%
HK$9,369
baseline
▲ 0.50% · 4.625%
HK$9,863
+HK$494/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,738/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$9,322
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,612
−HK$295/mo
Today · 4.125%
HK$9,907
baseline
▲ 0.50% · 4.625%
HK$10,510
+HK$603/mo
Deposit HK$876K · loan HK$2.04M · min. income ≈ HK$19,814/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,371
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,649
−HK$282/mo
Today · 4.125%
HK$10,931
baseline
▲ 0.50% · 4.625%
HK$11,507
+HK$576/mo
Deposit HK$876K · loan HK$2.04M · min. income ≈ HK$21,862/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,986
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,358
−HK$379/mo
Today · 4.125%
HK$12,737
baseline
▲ 0.50% · 4.625%
HK$13,512
+HK$775/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,474/mo (50% DSR)
Upfront cash ≈ HK$292K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,334
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,691
−HK$363/mo
Today · 4.125%
HK$14,054
baseline
▲ 0.50% · 4.625%
HK$14,795
+HK$741/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,108/mo (50% DSR)
Upfront cash ≈ HK$292K (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).