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$6,675
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,882
−HK$211/mo
Today · 4.125%
HK$7,093
baseline
▲ 0.50% · 4.625%
HK$7,525
+HK$432/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,186/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$7,425
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,625
−HK$202/mo
Today · 4.125%
HK$7,827
baseline
▲ 0.50% · 4.625%
HK$8,239
+HK$412/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,654/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$8,009
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,259
−HK$253/mo
Today · 4.125%
HK$8,512
baseline
▲ 0.50% · 4.625%
HK$9,030
+HK$518/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,024/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$8,910
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,149
−HK$243/mo
Today · 4.125%
HK$9,392
baseline
▲ 0.50% · 4.625%
HK$9,887
+HK$495/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,784/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$9,344
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,635
−HK$295/mo
Today · 4.125%
HK$9,930
baseline
▲ 0.50% · 4.625%
HK$10,535
+HK$605/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$19,860/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$10,396
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,674
−HK$283/mo
Today · 4.125%
HK$10,957
baseline
▲ 0.50% · 4.625%
HK$11,535
+HK$578/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$21,914/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$12,014
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,388
−HK$380/mo
Today · 4.125%
HK$12,768
baseline
▲ 0.50% · 4.625%
HK$13,545
+HK$777/mo
Deposit HK$293K · loan HK$2.63M · min. income ≈ HK$25,536/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$13,366
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,724
−HK$364/mo
Today · 4.125%
HK$14,088
baseline
▲ 0.50% · 4.625%
HK$14,830
+HK$742/mo
Deposit HK$293K · loan HK$2.63M · min. income ≈ HK$28,176/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).