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$6,766
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,976
−HK$214/mo
Today · 4.125%
HK$7,190
baseline
▲ 0.50% · 4.625%
HK$7,628
+HK$438/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,380/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$7,527
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,729
−HK$205/mo
Today · 4.125%
HK$7,934
baseline
▲ 0.50% · 4.625%
HK$8,352
+HK$418/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,868/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$8,119
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,372
−HK$256/mo
Today · 4.125%
HK$8,628
baseline
▲ 0.50% · 4.625%
HK$9,153
+HK$525/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,256/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$9,032
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,275
−HK$245/mo
Today · 4.125%
HK$9,520
baseline
▲ 0.50% · 4.625%
HK$10,022
+HK$502/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,040/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$9,472
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,767
−HK$299/mo
Today · 4.125%
HK$10,066
baseline
▲ 0.50% · 4.625%
HK$10,679
+HK$613/mo
Deposit HK$890K · loan HK$2.08M · min. income ≈ HK$20,132/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$10,538
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,820
−HK$287/mo
Today · 4.125%
HK$11,107
baseline
▲ 0.50% · 4.625%
HK$11,693
+HK$586/mo
Deposit HK$890K · loan HK$2.08M · min. income ≈ HK$22,214/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$12,179
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,557
−HK$385/mo
Today · 4.125%
HK$12,942
baseline
▲ 0.50% · 4.625%
HK$13,730
+HK$788/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$25,884/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$13,549
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,912
−HK$368/mo
Today · 4.125%
HK$14,280
baseline
▲ 0.50% · 4.625%
HK$15,033
+HK$753/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$28,560/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).