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$6,701
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,909
−HK$212/mo
Today · 4.125%
HK$7,121
baseline
▲ 0.50% · 4.625%
HK$7,555
+HK$434/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,242/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$7,455
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,655
−HK$203/mo
Today · 4.125%
HK$7,858
baseline
▲ 0.50% · 4.625%
HK$8,272
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,716/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$8,041
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,291
−HK$254/mo
Today · 4.125%
HK$8,545
baseline
▲ 0.50% · 4.625%
HK$9,065
+HK$520/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$17,090/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$8,946
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,186
−HK$243/mo
Today · 4.125%
HK$9,429
baseline
▲ 0.50% · 4.625%
HK$9,926
+HK$497/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$18,858/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$9,381
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,673
−HK$297/mo
Today · 4.125%
HK$9,970
baseline
▲ 0.50% · 4.625%
HK$10,576
+HK$606/mo
Deposit HK$882K · loan HK$2.06M · min. income ≈ HK$19,940/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,437
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,717
−HK$284/mo
Today · 4.125%
HK$11,001
baseline
▲ 0.50% · 4.625%
HK$11,580
+HK$579/mo
Deposit HK$882K · loan HK$2.06M · min. income ≈ HK$22,002/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,062
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,437
−HK$381/mo
Today · 4.125%
HK$12,818
baseline
▲ 0.50% · 4.625%
HK$13,598
+HK$780/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$25,636/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$13,419
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,779
−HK$365/mo
Today · 4.125%
HK$14,144
baseline
▲ 0.50% · 4.625%
HK$14,889
+HK$745/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$28,288/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).