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$6,738
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,948
−HK$213/mo
Today · 4.125%
HK$7,161
baseline
▲ 0.50% · 4.625%
HK$7,596
+HK$435/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,322/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$7,496
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,697
−HK$204/mo
Today · 4.125%
HK$7,901
baseline
▲ 0.50% · 4.625%
HK$8,318
+HK$417/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,802/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$8,086
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,337
−HK$256/mo
Today · 4.125%
HK$8,593
baseline
▲ 0.50% · 4.625%
HK$9,116
+HK$523/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,186/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$8,995
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,237
−HK$244/mo
Today · 4.125%
HK$9,481
baseline
▲ 0.50% · 4.625%
HK$9,981
+HK$500/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,962/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$9,433
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,727
−HK$298/mo
Today · 4.125%
HK$10,025
baseline
▲ 0.50% · 4.625%
HK$10,635
+HK$610/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$20,050/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$10,495
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,776
−HK$286/mo
Today · 4.125%
HK$11,062
baseline
▲ 0.50% · 4.625%
HK$11,645
+HK$583/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$22,124/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$12,129
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,506
−HK$383/mo
Today · 4.125%
HK$12,889
baseline
▲ 0.50% · 4.625%
HK$13,674
+HK$785/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$25,778/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$13,493
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,855
−HK$367/mo
Today · 4.125%
HK$14,222
baseline
▲ 0.50% · 4.625%
HK$14,972
+HK$750/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$28,444/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).