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$6,681
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,888
−HK$212/mo
Today · 4.125%
HK$7,100
baseline
▲ 0.50% · 4.625%
HK$7,532
+HK$432/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,200/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$7,432
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,631
−HK$203/mo
Today · 4.125%
HK$7,834
baseline
▲ 0.50% · 4.625%
HK$8,247
+HK$413/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,668/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$8,017
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,266
−HK$253/mo
Today · 4.125%
HK$8,519
baseline
▲ 0.50% · 4.625%
HK$9,038
+HK$519/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,038/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$8,919
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,158
−HK$242/mo
Today · 4.125%
HK$9,400
baseline
▲ 0.50% · 4.625%
HK$9,896
+HK$496/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,800/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$9,353
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,644
−HK$295/mo
Today · 4.125%
HK$9,939
baseline
▲ 0.50% · 4.625%
HK$10,544
+HK$605/mo
Deposit HK$879K · loan HK$2.05M · min. income ≈ HK$19,878/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$10,405
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,684
−HK$283/mo
Today · 4.125%
HK$10,967
baseline
▲ 0.50% · 4.625%
HK$11,545
+HK$578/mo
Deposit HK$879K · loan HK$2.05M · min. income ≈ HK$21,934/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$12,025
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,399
−HK$380/mo
Today · 4.125%
HK$12,779
baseline
▲ 0.50% · 4.625%
HK$13,557
+HK$778/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$25,558/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$13,378
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,737
−HK$364/mo
Today · 4.125%
HK$14,101
baseline
▲ 0.50% · 4.625%
HK$14,844
+HK$743/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$28,202/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).