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$6,717
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,926
−HK$212/mo
Today · 4.125%
HK$7,138
baseline
▲ 0.50% · 4.625%
HK$7,573
+HK$435/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,276/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$7,473
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,673
−HK$203/mo
Today · 4.125%
HK$7,876
baseline
▲ 0.50% · 4.625%
HK$8,292
+HK$416/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,752/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$8,060
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,311
−HK$255/mo
Today · 4.125%
HK$8,566
baseline
▲ 0.50% · 4.625%
HK$9,087
+HK$521/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,132/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$8,967
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,208
−HK$244/mo
Today · 4.125%
HK$9,452
baseline
▲ 0.50% · 4.625%
HK$9,950
+HK$498/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,904/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$9,404
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,696
−HK$298/mo
Today · 4.125%
HK$9,994
baseline
▲ 0.50% · 4.625%
HK$10,602
+HK$608/mo
Deposit HK$884K · loan HK$2.06M · min. income ≈ HK$19,988/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,462
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,742
−HK$285/mo
Today · 4.125%
HK$11,027
baseline
▲ 0.50% · 4.625%
HK$11,608
+HK$581/mo
Deposit HK$884K · loan HK$2.06M · min. income ≈ HK$22,054/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,091
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,467
−HK$382/mo
Today · 4.125%
HK$12,849
baseline
▲ 0.50% · 4.625%
HK$13,631
+HK$782/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$25,698/mo (50% DSR)
Upfront cash ≈ HK$295K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,451
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,812
−HK$365/mo
Today · 4.125%
HK$14,177
baseline
▲ 0.50% · 4.625%
HK$14,925
+HK$748/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$28,354/mo (50% DSR)
Upfront cash ≈ HK$295K (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).