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$6,713
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,922
−HK$212/mo
Today · 4.125%
HK$7,134
baseline
▲ 0.50% · 4.625%
HK$7,568
+HK$434/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,268/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$7,468
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,668
−HK$203/mo
Today · 4.125%
HK$7,871
baseline
▲ 0.50% · 4.625%
HK$8,286
+HK$415/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,742/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$8,055
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,306
−HK$254/mo
Today · 4.125%
HK$8,560
baseline
▲ 0.50% · 4.625%
HK$9,081
+HK$521/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,120/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,961
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,202
−HK$244/mo
Today · 4.125%
HK$9,446
baseline
▲ 0.50% · 4.625%
HK$9,944
+HK$498/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,892/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,398
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,690
−HK$297/mo
Today · 4.125%
HK$9,987
baseline
▲ 0.50% · 4.625%
HK$10,595
+HK$608/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$19,974/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,455
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,735
−HK$285/mo
Today · 4.125%
HK$11,020
baseline
▲ 0.50% · 4.625%
HK$11,601
+HK$581/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$22,040/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,083
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,459
−HK$382/mo
Today · 4.125%
HK$12,841
baseline
▲ 0.50% · 4.625%
HK$13,622
+HK$781/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$25,682/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$13,442
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,803
−HK$365/mo
Today · 4.125%
HK$14,168
baseline
▲ 0.50% · 4.625%
HK$14,915
+HK$747/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$28,336/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).