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$6,688
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,896
−HK$212/mo
Today · 4.125%
HK$7,108
baseline
▲ 0.50% · 4.625%
HK$7,540
+HK$432/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,216/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$7,441
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,640
−HK$203/mo
Today · 4.125%
HK$7,843
baseline
▲ 0.50% · 4.625%
HK$8,256
+HK$413/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,686/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$8,026
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,276
−HK$253/mo
Today · 4.125%
HK$8,529
baseline
▲ 0.50% · 4.625%
HK$9,048
+HK$519/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,058/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$8,929
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,168
−HK$243/mo
Today · 4.125%
HK$9,411
baseline
▲ 0.50% · 4.625%
HK$9,907
+HK$496/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,822/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$9,364
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,655
−HK$296/mo
Today · 4.125%
HK$9,951
baseline
▲ 0.50% · 4.625%
HK$10,556
+HK$605/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$19,902/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,417
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,696
−HK$284/mo
Today · 4.125%
HK$10,980
baseline
▲ 0.50% · 4.625%
HK$11,558
+HK$578/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$21,960/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,039
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,413
−HK$381/mo
Today · 4.125%
HK$12,794
baseline
▲ 0.50% · 4.625%
HK$13,572
+HK$778/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$25,588/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$13,393
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,752
−HK$365/mo
Today · 4.125%
HK$14,117
baseline
▲ 0.50% · 4.625%
HK$14,861
+HK$744/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$28,234/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).