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$6,690
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,898
−HK$211/mo
Today · 4.125%
HK$7,109
baseline
▲ 0.50% · 4.625%
HK$7,542
+HK$433/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,218/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$7,442
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,642
−HK$202/mo
Today · 4.125%
HK$7,844
baseline
▲ 0.50% · 4.625%
HK$8,258
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,688/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$8,027
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,277
−HK$254/mo
Today · 4.125%
HK$8,531
baseline
▲ 0.50% · 4.625%
HK$9,050
+HK$519/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,062/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$8,930
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,170
−HK$243/mo
Today · 4.125%
HK$9,413
baseline
▲ 0.50% · 4.625%
HK$9,909
+HK$496/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,826/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$9,365
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,657
−HK$296/mo
Today · 4.125%
HK$9,953
baseline
▲ 0.50% · 4.625%
HK$10,558
+HK$605/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$19,906/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,419
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,698
−HK$284/mo
Today · 4.125%
HK$10,982
baseline
▲ 0.50% · 4.625%
HK$11,561
+HK$579/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$21,964/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,041
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,416
−HK$380/mo
Today · 4.125%
HK$12,796
baseline
▲ 0.50% · 4.625%
HK$13,575
+HK$779/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$25,592/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$13,396
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,755
−HK$364/mo
Today · 4.125%
HK$14,119
baseline
▲ 0.50% · 4.625%
HK$14,864
+HK$745/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$28,238/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).