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$6,685
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,893
−HK$212/mo
Today · 4.125%
HK$7,105
baseline
▲ 0.50% · 4.625%
HK$7,537
+HK$432/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,210/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$7,438
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,637
−HK$202/mo
Today · 4.125%
HK$7,839
baseline
▲ 0.50% · 4.625%
HK$8,253
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,678/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$8,023
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,272
−HK$254/mo
Today · 4.125%
HK$8,526
baseline
▲ 0.50% · 4.625%
HK$9,044
+HK$518/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,052/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$8,925
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,164
−HK$243/mo
Today · 4.125%
HK$9,407
baseline
▲ 0.50% · 4.625%
HK$9,903
+HK$496/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,814/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$9,360
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,651
−HK$296/mo
Today · 4.125%
HK$9,947
baseline
▲ 0.50% · 4.625%
HK$10,552
+HK$605/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$19,894/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$10,413
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,692
−HK$283/mo
Today · 4.125%
HK$10,975
baseline
▲ 0.50% · 4.625%
HK$11,554
+HK$579/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$21,950/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$12,034
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,408
−HK$380/mo
Today · 4.125%
HK$12,788
baseline
▲ 0.50% · 4.625%
HK$13,567
+HK$779/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$25,576/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$13,388
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,747
−HK$364/mo
Today · 4.125%
HK$14,111
baseline
▲ 0.50% · 4.625%
HK$14,855
+HK$744/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$28,222/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).