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$6,767
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,977
−HK$214/mo
Today · 4.125%
HK$7,191
baseline
▲ 0.50% · 4.625%
HK$7,629
+HK$438/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,382/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$7,528
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,730
−HK$205/mo
Today · 4.125%
HK$7,935
baseline
▲ 0.50% · 4.625%
HK$8,353
+HK$418/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,870/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$8,120
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,373
−HK$256/mo
Today · 4.125%
HK$8,629
baseline
▲ 0.50% · 4.625%
HK$9,154
+HK$525/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,258/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$9,033
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,276
−HK$245/mo
Today · 4.125%
HK$9,521
baseline
▲ 0.50% · 4.625%
HK$10,023
+HK$502/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,042/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$9,473
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,768
−HK$299/mo
Today · 4.125%
HK$10,067
baseline
▲ 0.50% · 4.625%
HK$10,680
+HK$613/mo
Deposit HK$890K · loan HK$2.08M · min. income ≈ HK$20,134/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$10,539
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,822
−HK$286/mo
Today · 4.125%
HK$11,108
baseline
▲ 0.50% · 4.625%
HK$11,694
+HK$586/mo
Deposit HK$890K · loan HK$2.08M · min. income ≈ HK$22,216/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$12,180
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,559
−HK$385/mo
Today · 4.125%
HK$12,944
baseline
▲ 0.50% · 4.625%
HK$13,731
+HK$787/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$25,888/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$13,550
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,914
−HK$368/mo
Today · 4.125%
HK$14,282
baseline
▲ 0.50% · 4.625%
HK$15,035
+HK$753/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$28,564/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).