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$6,765
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,975
−HK$214/mo
Today · 4.125%
HK$7,189
baseline
▲ 0.50% · 4.625%
HK$7,626
+HK$437/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,378/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,525
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,727
−HK$205/mo
Today · 4.125%
HK$7,932
baseline
▲ 0.50% · 4.625%
HK$8,350
+HK$418/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,864/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,117
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,370
−HK$256/mo
Today · 4.125%
HK$8,626
baseline
▲ 0.50% · 4.625%
HK$9,151
+HK$525/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,252/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,031
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,273
−HK$245/mo
Today · 4.125%
HK$9,518
baseline
▲ 0.50% · 4.625%
HK$10,020
+HK$502/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,036/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,470
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,765
−HK$299/mo
Today · 4.125%
HK$10,064
baseline
▲ 0.50% · 4.625%
HK$10,677
+HK$613/mo
Deposit HK$890K · loan HK$2.08M · min. income ≈ HK$20,128/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,536
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,818
−HK$287/mo
Today · 4.125%
HK$11,105
baseline
▲ 0.50% · 4.625%
HK$11,690
+HK$585/mo
Deposit HK$890K · loan HK$2.08M · min. income ≈ HK$22,210/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,176
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,555
−HK$385/mo
Today · 4.125%
HK$12,940
baseline
▲ 0.50% · 4.625%
HK$13,727
+HK$787/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$25,880/mo (50% DSR)
Upfront cash ≈ HK$297K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,546
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,909
−HK$369/mo
Today · 4.125%
HK$14,278
baseline
▲ 0.50% · 4.625%
HK$15,030
+HK$752/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$28,556/mo (50% DSR)
Upfront cash ≈ HK$297K (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).