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$6,722
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,931
−HK$212/mo
Today · 4.125%
HK$7,143
baseline
▲ 0.50% · 4.625%
HK$7,578
+HK$435/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,286/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$7,478
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,678
−HK$204/mo
Today · 4.125%
HK$7,882
baseline
▲ 0.50% · 4.625%
HK$8,297
+HK$415/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,764/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$8,066
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,317
−HK$255/mo
Today · 4.125%
HK$8,572
baseline
▲ 0.50% · 4.625%
HK$9,093
+HK$521/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,144/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$8,973
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,214
−HK$244/mo
Today · 4.125%
HK$9,458
baseline
▲ 0.50% · 4.625%
HK$9,957
+HK$499/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,916/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$9,410
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,703
−HK$297/mo
Today · 4.125%
HK$10,000
baseline
▲ 0.50% · 4.625%
HK$10,609
+HK$609/mo
Deposit HK$884K · loan HK$2.06M · min. income ≈ HK$20,000/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$10,469
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,750
−HK$284/mo
Today · 4.125%
HK$11,034
baseline
▲ 0.50% · 4.625%
HK$11,616
+HK$582/mo
Deposit HK$884K · loan HK$2.06M · min. income ≈ HK$22,068/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$12,099
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,475
−HK$383/mo
Today · 4.125%
HK$12,858
baseline
▲ 0.50% · 4.625%
HK$13,640
+HK$782/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$25,716/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$13,460
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,821
−HK$366/mo
Today · 4.125%
HK$14,187
baseline
▲ 0.50% · 4.625%
HK$14,935
+HK$748/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$28,374/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).