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$6,770
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,980
−HK$214/mo
Today · 4.125%
HK$7,194
baseline
▲ 0.50% · 4.625%
HK$7,632
+HK$438/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,388/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$7,531
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,733
−HK$205/mo
Today · 4.125%
HK$7,938
baseline
▲ 0.50% · 4.625%
HK$8,357
+HK$419/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,876/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$8,124
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,376
−HK$257/mo
Today · 4.125%
HK$8,633
baseline
▲ 0.50% · 4.625%
HK$9,158
+HK$525/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,266/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,037
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,280
−HK$246/mo
Today · 4.125%
HK$9,526
baseline
▲ 0.50% · 4.625%
HK$10,028
+HK$502/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,052/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,478
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,772
−HK$300/mo
Today · 4.125%
HK$10,072
baseline
▲ 0.50% · 4.625%
HK$10,685
+HK$613/mo
Deposit HK$891K · loan HK$2.08M · min. income ≈ HK$20,144/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,544
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,827
−HK$286/mo
Today · 4.125%
HK$11,113
baseline
▲ 0.50% · 4.625%
HK$11,699
+HK$586/mo
Deposit HK$891K · loan HK$2.08M · min. income ≈ HK$22,226/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,185
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,565
−HK$385/mo
Today · 4.125%
HK$12,950
baseline
▲ 0.50% · 4.625%
HK$13,738
+HK$788/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$25,900/mo (50% DSR)
Upfront cash ≈ HK$297K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,556
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,920
−HK$369/mo
Today · 4.125%
HK$14,289
baseline
▲ 0.50% · 4.625%
HK$15,042
+HK$753/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$28,578/mo (50% DSR)
Upfront cash ≈ HK$297K (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).