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$6,753
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,963
−HK$213/mo
Today · 4.125%
HK$7,176
baseline
▲ 0.50% · 4.625%
HK$7,613
+HK$437/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,352/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$7,512
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,714
−HK$204/mo
Today · 4.125%
HK$7,918
baseline
▲ 0.50% · 4.625%
HK$8,336
+HK$418/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,836/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$8,103
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,355
−HK$257/mo
Today · 4.125%
HK$8,612
baseline
▲ 0.50% · 4.625%
HK$9,136
+HK$524/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$17,224/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$9,015
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,257
−HK$245/mo
Today · 4.125%
HK$9,502
baseline
▲ 0.50% · 4.625%
HK$10,003
+HK$501/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$19,004/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$9,454
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,748
−HK$299/mo
Today · 4.125%
HK$10,047
baseline
▲ 0.50% · 4.625%
HK$10,658
+HK$611/mo
Deposit HK$888K · loan HK$2.07M · min. income ≈ HK$20,094/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$10,517
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,800
−HK$286/mo
Today · 4.125%
HK$11,086
baseline
▲ 0.50% · 4.625%
HK$11,670
+HK$584/mo
Deposit HK$888K · loan HK$2.07M · min. income ≈ HK$22,172/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$12,155
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,533
−HK$384/mo
Today · 4.125%
HK$12,917
baseline
▲ 0.50% · 4.625%
HK$13,703
+HK$786/mo
Deposit HK$296K · loan HK$2.67M · min. income ≈ HK$25,834/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$13,522
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,885
−HK$368/mo
Today · 4.125%
HK$14,253
baseline
▲ 0.50% · 4.625%
HK$15,004
+HK$751/mo
Deposit HK$296K · loan HK$2.67M · min. income ≈ HK$28,506/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).