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$6,644
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,851
−HK$210/mo
Today · 4.125%
HK$7,061
baseline
▲ 0.50% · 4.625%
HK$7,491
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,122/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$7,392
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,590
−HK$201/mo
Today · 4.125%
HK$7,791
baseline
▲ 0.50% · 4.625%
HK$8,202
+HK$411/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,582/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$7,973
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,221
−HK$252/mo
Today · 4.125%
HK$8,473
baseline
▲ 0.50% · 4.625%
HK$8,989
+HK$516/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,946/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$8,870
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,108
−HK$241/mo
Today · 4.125%
HK$9,349
baseline
▲ 0.50% · 4.625%
HK$9,842
+HK$493/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,698/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$9,302
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,591
−HK$294/mo
Today · 4.125%
HK$9,885
baseline
▲ 0.50% · 4.625%
HK$10,487
+HK$602/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$19,770/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,348
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,626
−HK$281/mo
Today · 4.125%
HK$10,907
baseline
▲ 0.50% · 4.625%
HK$11,482
+HK$575/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$21,814/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,960
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,332
−HK$378/mo
Today · 4.125%
HK$12,710
baseline
▲ 0.50% · 4.625%
HK$13,483
+HK$773/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,420/mo (50% DSR)
Upfront cash ≈ HK$291K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,305
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,662
−HK$362/mo
Today · 4.125%
HK$14,024
baseline
▲ 0.50% · 4.625%
HK$14,763
+HK$739/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$28,048/mo (50% DSR)
Upfront cash ≈ HK$291K (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).