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$6,749
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,959
−HK$214/mo
Today · 4.125%
HK$7,173
baseline
▲ 0.50% · 4.625%
HK$7,609
+HK$436/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,346/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$7,509
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,710
−HK$204/mo
Today · 4.125%
HK$7,914
baseline
▲ 0.50% · 4.625%
HK$8,331
+HK$417/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,828/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$8,099
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,351
−HK$256/mo
Today · 4.125%
HK$8,607
baseline
▲ 0.50% · 4.625%
HK$9,131
+HK$524/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$17,214/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$9,010
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,252
−HK$245/mo
Today · 4.125%
HK$9,497
baseline
▲ 0.50% · 4.625%
HK$9,998
+HK$501/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$18,994/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$9,449
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,743
−HK$299/mo
Today · 4.125%
HK$10,042
baseline
▲ 0.50% · 4.625%
HK$10,653
+HK$611/mo
Deposit HK$888K · loan HK$2.07M · min. income ≈ HK$20,084/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,512
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,794
−HK$286/mo
Today · 4.125%
HK$11,080
baseline
▲ 0.50% · 4.625%
HK$11,664
+HK$584/mo
Deposit HK$888K · loan HK$2.07M · min. income ≈ HK$22,160/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,149
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,527
−HK$384/mo
Today · 4.125%
HK$12,911
baseline
▲ 0.50% · 4.625%
HK$13,696
+HK$785/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$25,822/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$13,515
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,878
−HK$368/mo
Today · 4.125%
HK$14,246
baseline
▲ 0.50% · 4.625%
HK$14,996
+HK$750/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$28,492/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).