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$6,723
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,932
−HK$213/mo
Today · 4.125%
HK$7,145
baseline
▲ 0.50% · 4.625%
HK$7,579
+HK$434/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,290/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,479
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,680
−HK$203/mo
Today · 4.125%
HK$7,883
baseline
▲ 0.50% · 4.625%
HK$8,299
+HK$416/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,766/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,068
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,318
−HK$255/mo
Today · 4.125%
HK$8,573
baseline
▲ 0.50% · 4.625%
HK$9,095
+HK$522/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,146/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$8,975
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,216
−HK$244/mo
Today · 4.125%
HK$9,460
baseline
▲ 0.50% · 4.625%
HK$9,959
+HK$499/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,920/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$9,412
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,705
−HK$297/mo
Today · 4.125%
HK$10,002
baseline
▲ 0.50% · 4.625%
HK$10,611
+HK$609/mo
Deposit HK$884K · loan HK$2.06M · min. income ≈ HK$20,004/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$10,471
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,752
−HK$285/mo
Today · 4.125%
HK$11,037
baseline
▲ 0.50% · 4.625%
HK$11,618
+HK$581/mo
Deposit HK$884K · loan HK$2.06M · min. income ≈ HK$22,074/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$12,101
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,478
−HK$382/mo
Today · 4.125%
HK$12,860
baseline
▲ 0.50% · 4.625%
HK$13,643
+HK$783/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$25,720/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$13,463
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,824
−HK$366/mo
Today · 4.125%
HK$14,190
baseline
▲ 0.50% · 4.625%
HK$14,938
+HK$748/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$28,380/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).