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$6,689
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,897
−HK$212/mo
Today · 4.125%
HK$7,109
baseline
▲ 0.50% · 4.625%
HK$7,541
+HK$432/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,218/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$7,442
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,641
−HK$203/mo
Today · 4.125%
HK$7,844
baseline
▲ 0.50% · 4.625%
HK$8,257
+HK$413/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,688/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$8,027
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,277
−HK$253/mo
Today · 4.125%
HK$8,530
baseline
▲ 0.50% · 4.625%
HK$9,049
+HK$519/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,060/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$8,930
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,169
−HK$243/mo
Today · 4.125%
HK$9,412
baseline
▲ 0.50% · 4.625%
HK$9,909
+HK$497/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,824/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$9,365
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,656
−HK$296/mo
Today · 4.125%
HK$9,952
baseline
▲ 0.50% · 4.625%
HK$10,558
+HK$606/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$19,904/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$10,418
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,698
−HK$283/mo
Today · 4.125%
HK$10,981
baseline
▲ 0.50% · 4.625%
HK$11,560
+HK$579/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$21,962/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$12,040
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,415
−HK$381/mo
Today · 4.125%
HK$12,796
baseline
▲ 0.50% · 4.625%
HK$13,574
+HK$778/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$25,592/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$13,395
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,754
−HK$365/mo
Today · 4.125%
HK$14,119
baseline
▲ 0.50% · 4.625%
HK$14,863
+HK$744/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$28,238/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).