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$6,637
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,844
−HK$210/mo
Today · 4.125%
HK$7,054
baseline
▲ 0.50% · 4.625%
HK$7,483
+HK$429/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,108/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$7,384
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,582
−HK$201/mo
Today · 4.125%
HK$7,783
baseline
▲ 0.50% · 4.625%
HK$8,193
+HK$410/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,566/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$7,965
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,212
−HK$252/mo
Today · 4.125%
HK$8,464
baseline
▲ 0.50% · 4.625%
HK$8,979
+HK$515/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$16,928/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,861
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,098
−HK$241/mo
Today · 4.125%
HK$9,339
baseline
▲ 0.50% · 4.625%
HK$9,832
+HK$493/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$18,678/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,292
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,581
−HK$294/mo
Today · 4.125%
HK$9,875
baseline
▲ 0.50% · 4.625%
HK$10,476
+HK$601/mo
Deposit HK$873K · loan HK$2.04M · min. income ≈ HK$19,750/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,337
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,615
−HK$281/mo
Today · 4.125%
HK$10,896
baseline
▲ 0.50% · 4.625%
HK$11,470
+HK$574/mo
Deposit HK$873K · loan HK$2.04M · min. income ≈ HK$21,792/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,947
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,319
−HK$377/mo
Today · 4.125%
HK$12,696
baseline
▲ 0.50% · 4.625%
HK$13,469
+HK$773/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,392/mo (50% DSR)
Upfront cash ≈ HK$291K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,291
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,648
−HK$361/mo
Today · 4.125%
HK$14,009
baseline
▲ 0.50% · 4.625%
HK$14,748
+HK$739/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$28,018/mo (50% DSR)
Upfront cash ≈ HK$291K (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).