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$6,744
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,954
−HK$213/mo
Today · 4.125%
HK$7,167
baseline
▲ 0.50% · 4.625%
HK$7,603
+HK$436/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,334/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$7,503
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,704
−HK$204/mo
Today · 4.125%
HK$7,908
baseline
▲ 0.50% · 4.625%
HK$8,325
+HK$417/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,816/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$8,093
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,345
−HK$256/mo
Today · 4.125%
HK$8,601
baseline
▲ 0.50% · 4.625%
HK$9,124
+HK$523/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,202/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$9,004
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,245
−HK$245/mo
Today · 4.125%
HK$9,490
baseline
▲ 0.50% · 4.625%
HK$9,990
+HK$500/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,980/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$9,442
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,736
−HK$298/mo
Today · 4.125%
HK$10,034
baseline
▲ 0.50% · 4.625%
HK$10,645
+HK$611/mo
Deposit HK$887K · loan HK$2.07M · min. income ≈ HK$20,068/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,504
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,786
−HK$286/mo
Today · 4.125%
HK$11,072
baseline
▲ 0.50% · 4.625%
HK$11,655
+HK$583/mo
Deposit HK$887K · loan HK$2.07M · min. income ≈ HK$22,144/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,140
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,517
−HK$384/mo
Today · 4.125%
HK$12,901
baseline
▲ 0.50% · 4.625%
HK$13,686
+HK$785/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$25,802/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$13,505
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,868
−HK$367/mo
Today · 4.125%
HK$14,235
baseline
▲ 0.50% · 4.625%
HK$14,985
+HK$750/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$28,470/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).