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$6,666
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,873
−HK$211/mo
Today · 4.125%
HK$7,084
baseline
▲ 0.50% · 4.625%
HK$7,515
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,168/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$7,416
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,615
−HK$202/mo
Today · 4.125%
HK$7,817
baseline
▲ 0.50% · 4.625%
HK$8,229
+HK$412/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,634/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$7,999
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,248
−HK$253/mo
Today · 4.125%
HK$8,501
baseline
▲ 0.50% · 4.625%
HK$9,018
+HK$517/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$17,002/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$8,899
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,138
−HK$242/mo
Today · 4.125%
HK$9,380
baseline
▲ 0.50% · 4.625%
HK$9,874
+HK$494/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,760/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$9,332
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,623
−HK$295/mo
Today · 4.125%
HK$9,918
baseline
▲ 0.50% · 4.625%
HK$10,521
+HK$603/mo
Deposit HK$877K · loan HK$2.05M · min. income ≈ HK$19,836/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,382
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,661
−HK$282/mo
Today · 4.125%
HK$10,943
baseline
▲ 0.50% · 4.625%
HK$11,520
+HK$577/mo
Deposit HK$877K · loan HK$2.05M · min. income ≈ HK$21,886/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,999
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,372
−HK$379/mo
Today · 4.125%
HK$12,751
baseline
▲ 0.50% · 4.625%
HK$13,527
+HK$776/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,502/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$13,349
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,707
−HK$363/mo
Today · 4.125%
HK$14,070
baseline
▲ 0.50% · 4.625%
HK$14,811
+HK$741/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,140/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).