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$6,741
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,950
−HK$213/mo
Today · 4.125%
HK$7,163
baseline
▲ 0.50% · 4.625%
HK$7,599
+HK$436/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,326/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$7,499
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,700
−HK$204/mo
Today · 4.125%
HK$7,904
baseline
▲ 0.50% · 4.625%
HK$8,321
+HK$417/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,808/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$8,089
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,340
−HK$256/mo
Today · 4.125%
HK$8,596
baseline
▲ 0.50% · 4.625%
HK$9,119
+HK$523/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,192/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$8,999
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,240
−HK$245/mo
Today · 4.125%
HK$9,485
baseline
▲ 0.50% · 4.625%
HK$9,985
+HK$500/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,970/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$9,437
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,730
−HK$299/mo
Today · 4.125%
HK$10,029
baseline
▲ 0.50% · 4.625%
HK$10,639
+HK$610/mo
Deposit HK$887K · loan HK$2.07M · min. income ≈ HK$20,058/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$10,498
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,780
−HK$285/mo
Today · 4.125%
HK$11,065
baseline
▲ 0.50% · 4.625%
HK$11,649
+HK$584/mo
Deposit HK$887K · loan HK$2.07M · min. income ≈ HK$22,130/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$12,133
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,510
−HK$384/mo
Today · 4.125%
HK$12,894
baseline
▲ 0.50% · 4.625%
HK$13,678
+HK$784/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$25,788/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$13,498
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,860
−HK$367/mo
Today · 4.125%
HK$14,227
baseline
▲ 0.50% · 4.625%
HK$14,977
+HK$750/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$28,454/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).