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$6,722
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,931
−HK$212/mo
Today · 4.125%
HK$7,143
baseline
▲ 0.50% · 4.625%
HK$7,578
+HK$435/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,286/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$7,478
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,679
−HK$203/mo
Today · 4.125%
HK$7,882
baseline
▲ 0.50% · 4.625%
HK$8,297
+HK$415/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,764/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$8,066
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,317
−HK$255/mo
Today · 4.125%
HK$8,572
baseline
▲ 0.50% · 4.625%
HK$9,094
+HK$522/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,144/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$8,974
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,214
−HK$244/mo
Today · 4.125%
HK$9,458
baseline
▲ 0.50% · 4.625%
HK$9,957
+HK$499/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,916/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$9,411
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,703
−HK$298/mo
Today · 4.125%
HK$10,001
baseline
▲ 0.50% · 4.625%
HK$10,609
+HK$608/mo
Deposit HK$884K · loan HK$2.06M · min. income ≈ HK$20,002/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$10,469
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,750
−HK$285/mo
Today · 4.125%
HK$11,035
baseline
▲ 0.50% · 4.625%
HK$11,616
+HK$581/mo
Deposit HK$884K · loan HK$2.06M · min. income ≈ HK$22,070/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$12,099
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,476
−HK$382/mo
Today · 4.125%
HK$12,858
baseline
▲ 0.50% · 4.625%
HK$13,640
+HK$782/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$25,716/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$13,460
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,821
−HK$367/mo
Today · 4.125%
HK$14,188
baseline
▲ 0.50% · 4.625%
HK$14,935
+HK$747/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$28,376/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).