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$6,648
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,854
−HK$210/mo
Today · 4.125%
HK$7,064
baseline
▲ 0.50% · 4.625%
HK$7,494
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,128/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$7,395
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,594
−HK$201/mo
Today · 4.125%
HK$7,795
baseline
▲ 0.50% · 4.625%
HK$8,206
+HK$411/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,590/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$7,977
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,225
−HK$252/mo
Today · 4.125%
HK$8,477
baseline
▲ 0.50% · 4.625%
HK$8,993
+HK$516/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,954/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$8,874
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,112
−HK$242/mo
Today · 4.125%
HK$9,354
baseline
▲ 0.50% · 4.625%
HK$9,847
+HK$493/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,708/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$9,307
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,596
−HK$294/mo
Today · 4.125%
HK$9,890
baseline
▲ 0.50% · 4.625%
HK$10,492
+HK$602/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$19,780/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,353
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,631
−HK$282/mo
Today · 4.125%
HK$10,913
baseline
▲ 0.50% · 4.625%
HK$11,488
+HK$575/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$21,826/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,966
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,338
−HK$378/mo
Today · 4.125%
HK$12,716
baseline
▲ 0.50% · 4.625%
HK$13,490
+HK$774/mo
Deposit HK$292K · loan HK$2.62M · min. income ≈ HK$25,432/mo (50% DSR)
Upfront cash ≈ HK$292K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,312
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,669
−HK$362/mo
Today · 4.125%
HK$14,031
baseline
▲ 0.50% · 4.625%
HK$14,770
+HK$739/mo
Deposit HK$292K · loan HK$2.62M · min. income ≈ HK$28,062/mo (50% DSR)
Upfront cash ≈ HK$292K (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).