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$6,656
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,863
−HK$211/mo
Today · 4.125%
HK$7,074
baseline
▲ 0.50% · 4.625%
HK$7,504
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,148/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$7,405
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,604
−HK$201/mo
Today · 4.125%
HK$7,805
baseline
▲ 0.50% · 4.625%
HK$8,217
+HK$412/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,610/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$7,988
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,236
−HK$252/mo
Today · 4.125%
HK$8,488
baseline
▲ 0.50% · 4.625%
HK$9,005
+HK$517/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,976/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$8,886
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,124
−HK$242/mo
Today · 4.125%
HK$9,366
baseline
▲ 0.50% · 4.625%
HK$9,860
+HK$494/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,732/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$9,319
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,609
−HK$294/mo
Today · 4.125%
HK$9,903
baseline
▲ 0.50% · 4.625%
HK$10,506
+HK$603/mo
Deposit HK$876K · loan HK$2.04M · min. income ≈ HK$19,806/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,367
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,645
−HK$282/mo
Today · 4.125%
HK$10,927
baseline
▲ 0.50% · 4.625%
HK$11,503
+HK$576/mo
Deposit HK$876K · loan HK$2.04M · min. income ≈ HK$21,854/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,981
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,354
−HK$379/mo
Today · 4.125%
HK$12,733
baseline
▲ 0.50% · 4.625%
HK$13,507
+HK$774/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,466/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$13,329
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,687
−HK$362/mo
Today · 4.125%
HK$14,049
baseline
▲ 0.50% · 4.625%
HK$14,790
+HK$741/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,098/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).