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$6,736
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,945
−HK$213/mo
Today · 4.125%
HK$7,158
baseline
▲ 0.50% · 4.625%
HK$7,594
+HK$436/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,316/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$7,494
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,695
−HK$203/mo
Today · 4.125%
HK$7,898
baseline
▲ 0.50% · 4.625%
HK$8,315
+HK$417/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,796/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$8,083
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,334
−HK$256/mo
Today · 4.125%
HK$8,590
baseline
▲ 0.50% · 4.625%
HK$9,113
+HK$523/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,180/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$8,992
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,233
−HK$245/mo
Today · 4.125%
HK$9,478
baseline
▲ 0.50% · 4.625%
HK$9,978
+HK$500/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,956/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$9,430
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,724
−HK$298/mo
Today · 4.125%
HK$10,022
baseline
▲ 0.50% · 4.625%
HK$10,631
+HK$609/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$20,044/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,491
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,772
−HK$286/mo
Today · 4.125%
HK$11,058
baseline
▲ 0.50% · 4.625%
HK$11,641
+HK$583/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$22,116/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,125
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,502
−HK$383/mo
Today · 4.125%
HK$12,885
baseline
▲ 0.50% · 4.625%
HK$13,669
+HK$784/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$25,770/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$13,488
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,850
−HK$367/mo
Today · 4.125%
HK$14,217
baseline
▲ 0.50% · 4.625%
HK$14,967
+HK$750/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$28,434/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).