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$6,675
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,883
−HK$211/mo
Today · 4.125%
HK$7,094
baseline
▲ 0.50% · 4.625%
HK$7,525
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,188/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$7,426
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,625
−HK$202/mo
Today · 4.125%
HK$7,827
baseline
▲ 0.50% · 4.625%
HK$8,240
+HK$413/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,654/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$8,010
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,259
−HK$253/mo
Today · 4.125%
HK$8,512
baseline
▲ 0.50% · 4.625%
HK$9,030
+HK$518/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,024/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$8,911
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,150
−HK$243/mo
Today · 4.125%
HK$9,393
baseline
▲ 0.50% · 4.625%
HK$9,888
+HK$495/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,786/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$9,345
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,636
−HK$295/mo
Today · 4.125%
HK$9,931
baseline
▲ 0.50% · 4.625%
HK$10,535
+HK$604/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$19,862/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,396
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,675
−HK$283/mo
Today · 4.125%
HK$10,958
baseline
▲ 0.50% · 4.625%
HK$11,536
+HK$578/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$21,916/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,015
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,389
−HK$380/mo
Today · 4.125%
HK$12,769
baseline
▲ 0.50% · 4.625%
HK$13,546
+HK$777/mo
Deposit HK$293K · loan HK$2.63M · min. income ≈ HK$25,538/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$13,367
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,725
−HK$364/mo
Today · 4.125%
HK$14,089
baseline
▲ 0.50% · 4.625%
HK$14,832
+HK$743/mo
Deposit HK$293K · loan HK$2.63M · min. income ≈ HK$28,178/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).