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$6,744
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,953
−HK$213/mo
Today · 4.125%
HK$7,166
baseline
▲ 0.50% · 4.625%
HK$7,602
+HK$436/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,332/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$7,502
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,703
−HK$204/mo
Today · 4.125%
HK$7,907
baseline
▲ 0.50% · 4.625%
HK$8,324
+HK$417/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,814/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$8,092
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,344
−HK$256/mo
Today · 4.125%
HK$8,600
baseline
▲ 0.50% · 4.625%
HK$9,123
+HK$523/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,200/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$9,003
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,244
−HK$245/mo
Today · 4.125%
HK$9,489
baseline
▲ 0.50% · 4.625%
HK$9,989
+HK$500/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,978/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$9,441
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,735
−HK$298/mo
Today · 4.125%
HK$10,033
baseline
▲ 0.50% · 4.625%
HK$10,643
+HK$610/mo
Deposit HK$887K · loan HK$2.07M · min. income ≈ HK$20,066/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$10,503
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,785
−HK$285/mo
Today · 4.125%
HK$11,070
baseline
▲ 0.50% · 4.625%
HK$11,654
+HK$584/mo
Deposit HK$887K · loan HK$2.07M · min. income ≈ HK$22,140/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$12,138
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,516
−HK$384/mo
Today · 4.125%
HK$12,900
baseline
▲ 0.50% · 4.625%
HK$13,684
+HK$784/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$25,800/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$13,504
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,866
−HK$367/mo
Today · 4.125%
HK$14,233
baseline
▲ 0.50% · 4.625%
HK$14,984
+HK$751/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$28,466/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).