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$6,692
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,901
−HK$211/mo
Today · 4.125%
HK$7,112
baseline
▲ 0.50% · 4.625%
HK$7,545
+HK$433/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,224/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$7,445
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,645
−HK$202/mo
Today · 4.125%
HK$7,847
baseline
▲ 0.50% · 4.625%
HK$8,261
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,694/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$8,031
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,281
−HK$253/mo
Today · 4.125%
HK$8,534
baseline
▲ 0.50% · 4.625%
HK$9,054
+HK$520/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,068/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$8,934
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,174
−HK$243/mo
Today · 4.125%
HK$9,417
baseline
▲ 0.50% · 4.625%
HK$9,913
+HK$496/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,834/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$9,369
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,661
−HK$296/mo
Today · 4.125%
HK$9,957
baseline
▲ 0.50% · 4.625%
HK$10,563
+HK$606/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$19,914/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$10,423
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,703
−HK$283/mo
Today · 4.125%
HK$10,986
baseline
▲ 0.50% · 4.625%
HK$11,565
+HK$579/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$21,972/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$12,046
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,421
−HK$381/mo
Today · 4.125%
HK$12,802
baseline
▲ 0.50% · 4.625%
HK$13,581
+HK$779/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$25,604/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$13,401
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,761
−HK$364/mo
Today · 4.125%
HK$14,125
baseline
▲ 0.50% · 4.625%
HK$14,870
+HK$745/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$28,250/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).