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$6,657
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,864
−HK$210/mo
Today · 4.125%
HK$7,074
baseline
▲ 0.50% · 4.625%
HK$7,505
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,148/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$7,406
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,604
−HK$202/mo
Today · 4.125%
HK$7,806
baseline
▲ 0.50% · 4.625%
HK$8,217
+HK$411/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,612/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$7,988
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,237
−HK$252/mo
Today · 4.125%
HK$8,489
baseline
▲ 0.50% · 4.625%
HK$9,006
+HK$517/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,978/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$8,887
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,125
−HK$242/mo
Today · 4.125%
HK$9,367
baseline
▲ 0.50% · 4.625%
HK$9,861
+HK$494/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,734/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$9,319
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,609
−HK$295/mo
Today · 4.125%
HK$9,904
baseline
▲ 0.50% · 4.625%
HK$10,506
+HK$602/mo
Deposit HK$876K · loan HK$2.04M · min. income ≈ HK$19,808/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,368
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,646
−HK$282/mo
Today · 4.125%
HK$10,928
baseline
▲ 0.50% · 4.625%
HK$11,504
+HK$576/mo
Deposit HK$876K · loan HK$2.04M · min. income ≈ HK$21,856/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,982
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,355
−HK$379/mo
Today · 4.125%
HK$12,734
baseline
▲ 0.50% · 4.625%
HK$13,508
+HK$774/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,468/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$13,330
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,687
−HK$363/mo
Today · 4.125%
HK$14,050
baseline
▲ 0.50% · 4.625%
HK$14,791
+HK$741/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,100/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).