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$6,733
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,942
−HK$213/mo
Today · 4.125%
HK$7,155
baseline
▲ 0.50% · 4.625%
HK$7,590
+HK$435/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,310/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$7,490
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,691
−HK$204/mo
Today · 4.125%
HK$7,895
baseline
▲ 0.50% · 4.625%
HK$8,311
+HK$416/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,790/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$8,079
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,331
−HK$255/mo
Today · 4.125%
HK$8,586
baseline
▲ 0.50% · 4.625%
HK$9,109
+HK$523/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,172/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$8,988
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,229
−HK$245/mo
Today · 4.125%
HK$9,474
baseline
▲ 0.50% · 4.625%
HK$9,973
+HK$499/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,948/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$9,426
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,719
−HK$298/mo
Today · 4.125%
HK$10,017
baseline
▲ 0.50% · 4.625%
HK$10,627
+HK$610/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$20,034/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$10,486
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,768
−HK$285/mo
Today · 4.125%
HK$11,053
baseline
▲ 0.50% · 4.625%
HK$11,636
+HK$583/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$22,106/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$12,119
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,496
−HK$383/mo
Today · 4.125%
HK$12,879
baseline
▲ 0.50% · 4.625%
HK$13,663
+HK$784/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$25,758/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$13,482
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,844
−HK$367/mo
Today · 4.125%
HK$14,211
baseline
▲ 0.50% · 4.625%
HK$14,960
+HK$749/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$28,422/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).