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$6,694
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,902
−HK$212/mo
Today · 4.125%
HK$7,114
baseline
▲ 0.50% · 4.625%
HK$7,547
+HK$433/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,228/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$7,447
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,647
−HK$203/mo
Today · 4.125%
HK$7,850
baseline
▲ 0.50% · 4.625%
HK$8,263
+HK$413/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,700/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$8,033
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,283
−HK$254/mo
Today · 4.125%
HK$8,537
baseline
▲ 0.50% · 4.625%
HK$9,056
+HK$519/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,074/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$8,937
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,176
−HK$244/mo
Today · 4.125%
HK$9,420
baseline
▲ 0.50% · 4.625%
HK$9,916
+HK$496/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,840/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$9,372
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,663
−HK$297/mo
Today · 4.125%
HK$9,960
baseline
▲ 0.50% · 4.625%
HK$10,566
+HK$606/mo
Deposit HK$881K · loan HK$2.06M · min. income ≈ HK$19,920/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,426
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,706
−HK$283/mo
Today · 4.125%
HK$10,989
baseline
▲ 0.50% · 4.625%
HK$11,569
+HK$580/mo
Deposit HK$881K · loan HK$2.06M · min. income ≈ HK$21,978/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,050
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,424
−HK$381/mo
Today · 4.125%
HK$12,805
baseline
▲ 0.50% · 4.625%
HK$13,584
+HK$779/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$25,610/mo (50% DSR)
Upfront cash ≈ HK$294K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,405
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,765
−HK$364/mo
Today · 4.125%
HK$14,129
baseline
▲ 0.50% · 4.625%
HK$14,874
+HK$745/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$28,258/mo (50% DSR)
Upfront cash ≈ HK$294K (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).