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$6,759
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,969
−HK$214/mo
Today · 4.125%
HK$7,183
baseline
▲ 0.50% · 4.625%
HK$7,620
+HK$437/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,366/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$7,519
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,721
−HK$204/mo
Today · 4.125%
HK$7,925
baseline
▲ 0.50% · 4.625%
HK$8,343
+HK$418/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,850/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$8,110
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,363
−HK$256/mo
Today · 4.125%
HK$8,619
baseline
▲ 0.50% · 4.625%
HK$9,143
+HK$524/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,238/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$9,023
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,265
−HK$245/mo
Today · 4.125%
HK$9,510
baseline
▲ 0.50% · 4.625%
HK$10,012
+HK$502/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,020/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$9,462
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,757
−HK$299/mo
Today · 4.125%
HK$10,056
baseline
▲ 0.50% · 4.625%
HK$10,667
+HK$611/mo
Deposit HK$889K · loan HK$2.07M · min. income ≈ HK$20,112/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$10,527
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,809
−HK$286/mo
Today · 4.125%
HK$11,095
baseline
▲ 0.50% · 4.625%
HK$11,680
+HK$585/mo
Deposit HK$889K · loan HK$2.07M · min. income ≈ HK$22,190/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$12,166
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,544
−HK$385/mo
Today · 4.125%
HK$12,929
baseline
▲ 0.50% · 4.625%
HK$13,715
+HK$786/mo
Deposit HK$296K · loan HK$2.67M · min. income ≈ HK$25,858/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$13,534
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,897
−HK$368/mo
Today · 4.125%
HK$14,265
baseline
▲ 0.50% · 4.625%
HK$15,017
+HK$752/mo
Deposit HK$296K · loan HK$2.67M · min. income ≈ HK$28,530/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).