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$6,756
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,966
−HK$213/mo
Today · 4.125%
HK$7,179
baseline
▲ 0.50% · 4.625%
HK$7,616
+HK$437/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,358/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$7,516
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,717
−HK$205/mo
Today · 4.125%
HK$7,922
baseline
▲ 0.50% · 4.625%
HK$8,339
+HK$417/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,844/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$8,107
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,359
−HK$256/mo
Today · 4.125%
HK$8,615
baseline
▲ 0.50% · 4.625%
HK$9,140
+HK$525/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,230/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,019
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,261
−HK$245/mo
Today · 4.125%
HK$9,506
baseline
▲ 0.50% · 4.625%
HK$10,007
+HK$501/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,012/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,458
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,752
−HK$299/mo
Today · 4.125%
HK$10,051
baseline
▲ 0.50% · 4.625%
HK$10,663
+HK$612/mo
Deposit HK$889K · loan HK$2.07M · min. income ≈ HK$20,102/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,522
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,804
−HK$287/mo
Today · 4.125%
HK$11,091
baseline
▲ 0.50% · 4.625%
HK$11,675
+HK$584/mo
Deposit HK$889K · loan HK$2.07M · min. income ≈ HK$22,182/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,161
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,539
−HK$384/mo
Today · 4.125%
HK$12,923
baseline
▲ 0.50% · 4.625%
HK$13,709
+HK$786/mo
Deposit HK$296K · loan HK$2.67M · min. income ≈ HK$25,846/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$13,528
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,891
−HK$368/mo
Today · 4.125%
HK$14,259
baseline
▲ 0.50% · 4.625%
HK$15,011
+HK$752/mo
Deposit HK$296K · loan HK$2.67M · min. income ≈ HK$28,518/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).