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$6,652
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,859
−HK$211/mo
Today · 4.125%
HK$7,070
baseline
▲ 0.50% · 4.625%
HK$7,500
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,140/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$7,401
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,599
−HK$202/mo
Today · 4.125%
HK$7,801
baseline
▲ 0.50% · 4.625%
HK$8,212
+HK$411/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,602/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$7,983
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,231
−HK$253/mo
Today · 4.125%
HK$8,484
baseline
▲ 0.50% · 4.625%
HK$9,000
+HK$516/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,968/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$8,881
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,119
−HK$242/mo
Today · 4.125%
HK$9,361
baseline
▲ 0.50% · 4.625%
HK$9,854
+HK$493/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,722/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$9,313
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,603
−HK$294/mo
Today · 4.125%
HK$9,897
baseline
▲ 0.50% · 4.625%
HK$10,500
+HK$603/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$19,794/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,361
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,639
−HK$282/mo
Today · 4.125%
HK$10,921
baseline
▲ 0.50% · 4.625%
HK$11,496
+HK$575/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$21,842/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,974
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,347
−HK$378/mo
Today · 4.125%
HK$12,725
baseline
▲ 0.50% · 4.625%
HK$13,500
+HK$775/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,450/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$13,321
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,679
−HK$362/mo
Today · 4.125%
HK$14,041
baseline
▲ 0.50% · 4.625%
HK$14,781
+HK$740/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,082/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).