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$6,731
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,940
−HK$213/mo
Today · 4.125%
HK$7,153
baseline
▲ 0.50% · 4.625%
HK$7,588
+HK$435/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,306/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$7,488
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,689
−HK$203/mo
Today · 4.125%
HK$7,892
baseline
▲ 0.50% · 4.625%
HK$8,308
+HK$416/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,784/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$8,077
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,328
−HK$255/mo
Today · 4.125%
HK$8,583
baseline
▲ 0.50% · 4.625%
HK$9,106
+HK$523/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,166/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$8,986
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,226
−HK$245/mo
Today · 4.125%
HK$9,471
baseline
▲ 0.50% · 4.625%
HK$9,970
+HK$499/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,942/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$9,423
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,716
−HK$298/mo
Today · 4.125%
HK$10,014
baseline
▲ 0.50% · 4.625%
HK$10,623
+HK$609/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$20,028/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$10,483
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,764
−HK$285/mo
Today · 4.125%
HK$11,049
baseline
▲ 0.50% · 4.625%
HK$11,632
+HK$583/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$22,098/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$12,115
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,492
−HK$383/mo
Today · 4.125%
HK$12,875
baseline
▲ 0.50% · 4.625%
HK$13,659
+HK$784/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$25,750/mo (50% DSR)
Upfront cash ≈ HK$295K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,478
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,840
−HK$366/mo
Today · 4.125%
HK$14,206
baseline
▲ 0.50% · 4.625%
HK$14,955
+HK$749/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$28,412/mo (50% DSR)
Upfront cash ≈ HK$295K (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).