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$6,746
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,955
−HK$214/mo
Today · 4.125%
HK$7,169
baseline
▲ 0.50% · 4.625%
HK$7,605
+HK$436/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,338/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$7,504
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,706
−HK$204/mo
Today · 4.125%
HK$7,910
baseline
▲ 0.50% · 4.625%
HK$8,327
+HK$417/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,820/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$8,095
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,347
−HK$255/mo
Today · 4.125%
HK$8,602
baseline
▲ 0.50% · 4.625%
HK$9,126
+HK$524/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,204/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$9,005
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,247
−HK$245/mo
Today · 4.125%
HK$9,492
baseline
▲ 0.50% · 4.625%
HK$9,992
+HK$500/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,984/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$9,444
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,738
−HK$298/mo
Today · 4.125%
HK$10,036
baseline
▲ 0.50% · 4.625%
HK$10,647
+HK$611/mo
Deposit HK$887K · loan HK$2.07M · min. income ≈ HK$20,072/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$10,506
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,788
−HK$286/mo
Today · 4.125%
HK$11,074
baseline
▲ 0.50% · 4.625%
HK$11,658
+HK$584/mo
Deposit HK$887K · loan HK$2.07M · min. income ≈ HK$22,148/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$12,142
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,520
−HK$384/mo
Today · 4.125%
HK$12,904
baseline
▲ 0.50% · 4.625%
HK$13,689
+HK$785/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$25,808/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$13,508
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,870
−HK$368/mo
Today · 4.125%
HK$14,238
baseline
▲ 0.50% · 4.625%
HK$14,988
+HK$750/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$28,476/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).