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$6,707
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,916
−HK$212/mo
Today · 4.125%
HK$7,128
baseline
▲ 0.50% · 4.625%
HK$7,561
+HK$433/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,256/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$7,462
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,662
−HK$203/mo
Today · 4.125%
HK$7,865
baseline
▲ 0.50% · 4.625%
HK$8,279
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,730/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$8,048
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,299
−HK$254/mo
Today · 4.125%
HK$8,553
baseline
▲ 0.50% · 4.625%
HK$9,074
+HK$521/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$17,106/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$8,954
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,194
−HK$244/mo
Today · 4.125%
HK$9,438
baseline
▲ 0.50% · 4.625%
HK$9,935
+HK$497/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$18,876/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$9,390
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,682
−HK$297/mo
Today · 4.125%
HK$9,979
baseline
▲ 0.50% · 4.625%
HK$10,586
+HK$607/mo
Deposit HK$882K · loan HK$2.06M · min. income ≈ HK$19,958/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,446
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,726
−HK$284/mo
Today · 4.125%
HK$11,010
baseline
▲ 0.50% · 4.625%
HK$11,591
+HK$581/mo
Deposit HK$882K · loan HK$2.06M · min. income ≈ HK$22,020/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,073
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,448
−HK$382/mo
Today · 4.125%
HK$12,830
baseline
▲ 0.50% · 4.625%
HK$13,610
+HK$780/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$25,660/mo (50% DSR)
Upfront cash ≈ HK$294K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,431
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,791
−HK$365/mo
Today · 4.125%
HK$14,156
baseline
▲ 0.50% · 4.625%
HK$14,903
+HK$747/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$28,312/mo (50% DSR)
Upfront cash ≈ HK$294K (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).