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$6,728
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,937
−HK$213/mo
Today · 4.125%
HK$7,150
baseline
▲ 0.50% · 4.625%
HK$7,585
+HK$435/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,300/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$7,484
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,685
−HK$204/mo
Today · 4.125%
HK$7,889
baseline
▲ 0.50% · 4.625%
HK$8,305
+HK$416/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,778/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$8,073
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,324
−HK$256/mo
Today · 4.125%
HK$8,580
baseline
▲ 0.50% · 4.625%
HK$9,102
+HK$522/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,160/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$8,981
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,222
−HK$245/mo
Today · 4.125%
HK$9,467
baseline
▲ 0.50% · 4.625%
HK$9,966
+HK$499/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,934/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$9,419
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,712
−HK$297/mo
Today · 4.125%
HK$10,009
baseline
▲ 0.50% · 4.625%
HK$10,618
+HK$609/mo
Deposit HK$885K · loan HK$2.07M · min. income ≈ HK$20,018/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,478
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,759
−HK$285/mo
Today · 4.125%
HK$11,044
baseline
▲ 0.50% · 4.625%
HK$11,627
+HK$583/mo
Deposit HK$885K · loan HK$2.07M · min. income ≈ HK$22,088/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,110
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,487
−HK$382/mo
Today · 4.125%
HK$12,869
baseline
▲ 0.50% · 4.625%
HK$13,652
+HK$783/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$25,738/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$13,472
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,833
−HK$367/mo
Today · 4.125%
HK$14,200
baseline
▲ 0.50% · 4.625%
HK$14,948
+HK$748/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$28,400/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).