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$6,742
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,951
−HK$213/mo
Today · 4.125%
HK$7,164
baseline
▲ 0.50% · 4.625%
HK$7,600
+HK$436/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,328/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$7,500
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,701
−HK$204/mo
Today · 4.125%
HK$7,905
baseline
▲ 0.50% · 4.625%
HK$8,322
+HK$417/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,810/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$8,090
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,342
−HK$255/mo
Today · 4.125%
HK$8,597
baseline
▲ 0.50% · 4.625%
HK$9,120
+HK$523/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,194/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$9,000
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,241
−HK$245/mo
Today · 4.125%
HK$9,486
baseline
▲ 0.50% · 4.625%
HK$9,986
+HK$500/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,972/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$9,438
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,732
−HK$298/mo
Today · 4.125%
HK$10,030
baseline
▲ 0.50% · 4.625%
HK$10,641
+HK$611/mo
Deposit HK$887K · loan HK$2.07M · min. income ≈ HK$20,060/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$10,500
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,782
−HK$285/mo
Today · 4.125%
HK$11,067
baseline
▲ 0.50% · 4.625%
HK$11,651
+HK$584/mo
Deposit HK$887K · loan HK$2.07M · min. income ≈ HK$22,134/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$12,135
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,513
−HK$383/mo
Today · 4.125%
HK$12,896
baseline
▲ 0.50% · 4.625%
HK$13,681
+HK$785/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$25,792/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$13,500
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,862
−HK$368/mo
Today · 4.125%
HK$14,230
baseline
▲ 0.50% · 4.625%
HK$14,980
+HK$750/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$28,460/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).