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$6,669
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,877
−HK$210/mo
Today · 4.125%
HK$7,087
baseline
▲ 0.50% · 4.625%
HK$7,519
+HK$432/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,174/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$7,419
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,618
−HK$202/mo
Today · 4.125%
HK$7,820
baseline
▲ 0.50% · 4.625%
HK$8,232
+HK$412/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,640/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$8,003
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,252
−HK$253/mo
Today · 4.125%
HK$8,505
baseline
▲ 0.50% · 4.625%
HK$9,022
+HK$517/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$17,010/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$8,903
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,142
−HK$242/mo
Today · 4.125%
HK$9,384
baseline
▲ 0.50% · 4.625%
HK$9,879
+HK$495/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,768/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$9,337
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,627
−HK$295/mo
Today · 4.125%
HK$9,922
baseline
▲ 0.50% · 4.625%
HK$10,526
+HK$604/mo
Deposit HK$877K · loan HK$2.05M · min. income ≈ HK$19,844/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,387
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,666
−HK$282/mo
Today · 4.125%
HK$10,948
baseline
▲ 0.50% · 4.625%
HK$11,525
+HK$577/mo
Deposit HK$877K · loan HK$2.05M · min. income ≈ HK$21,896/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,004
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,378
−HK$379/mo
Today · 4.125%
HK$12,757
baseline
▲ 0.50% · 4.625%
HK$13,534
+HK$777/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,514/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$13,355
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,713
−HK$363/mo
Today · 4.125%
HK$14,076
baseline
▲ 0.50% · 4.625%
HK$14,818
+HK$742/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,152/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).