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$6,726
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,935
−HK$213/mo
Today · 4.125%
HK$7,148
baseline
▲ 0.50% · 4.625%
HK$7,583
+HK$435/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,296/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$7,483
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,684
−HK$203/mo
Today · 4.125%
HK$7,887
baseline
▲ 0.50% · 4.625%
HK$8,303
+HK$416/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,774/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$8,071
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,323
−HK$255/mo
Today · 4.125%
HK$8,578
baseline
▲ 0.50% · 4.625%
HK$9,100
+HK$522/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,156/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$8,979
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,220
−HK$245/mo
Today · 4.125%
HK$9,465
baseline
▲ 0.50% · 4.625%
HK$9,963
+HK$498/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,930/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$9,417
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,710
−HK$297/mo
Today · 4.125%
HK$10,007
baseline
▲ 0.50% · 4.625%
HK$10,616
+HK$609/mo
Deposit HK$885K · loan HK$2.06M · min. income ≈ HK$20,014/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$10,476
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,757
−HK$285/mo
Today · 4.125%
HK$11,042
baseline
▲ 0.50% · 4.625%
HK$11,624
+HK$582/mo
Deposit HK$885K · loan HK$2.06M · min. income ≈ HK$22,084/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$12,107
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,484
−HK$382/mo
Today · 4.125%
HK$12,866
baseline
▲ 0.50% · 4.625%
HK$13,649
+HK$783/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$25,732/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$13,469
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,830
−HK$367/mo
Today · 4.125%
HK$14,197
baseline
▲ 0.50% · 4.625%
HK$14,945
+HK$748/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$28,394/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).