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$6,757
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,967
−HK$214/mo
Today · 4.125%
HK$7,181
baseline
▲ 0.50% · 4.625%
HK$7,617
+HK$436/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,362/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$7,517
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,719
−HK$204/mo
Today · 4.125%
HK$7,923
baseline
▲ 0.50% · 4.625%
HK$8,341
+HK$418/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,846/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$8,108
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,360
−HK$257/mo
Today · 4.125%
HK$8,617
baseline
▲ 0.50% · 4.625%
HK$9,141
+HK$524/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,234/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$9,020
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,262
−HK$246/mo
Today · 4.125%
HK$9,508
baseline
▲ 0.50% · 4.625%
HK$10,009
+HK$501/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,016/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$9,460
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,754
−HK$299/mo
Today · 4.125%
HK$10,053
baseline
▲ 0.50% · 4.625%
HK$10,664
+HK$611/mo
Deposit HK$889K · loan HK$2.07M · min. income ≈ HK$20,106/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,524
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,806
−HK$286/mo
Today · 4.125%
HK$11,092
baseline
▲ 0.50% · 4.625%
HK$11,677
+HK$585/mo
Deposit HK$889K · loan HK$2.07M · min. income ≈ HK$22,184/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,162
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,541
−HK$384/mo
Today · 4.125%
HK$12,925
baseline
▲ 0.50% · 4.625%
HK$13,711
+HK$786/mo
Deposit HK$296K · loan HK$2.67M · min. income ≈ HK$25,850/mo (50% DSR)
Upfront cash ≈ HK$296K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,530
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,893
−HK$369/mo
Today · 4.125%
HK$14,262
baseline
▲ 0.50% · 4.625%
HK$15,013
+HK$751/mo
Deposit HK$296K · loan HK$2.67M · min. income ≈ HK$28,524/mo (50% DSR)
Upfront cash ≈ HK$296K (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).