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$6,735
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,945
−HK$213/mo
Today · 4.125%
HK$7,158
baseline
▲ 0.50% · 4.625%
HK$7,593
+HK$435/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,316/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$7,493
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,694
−HK$204/mo
Today · 4.125%
HK$7,898
baseline
▲ 0.50% · 4.625%
HK$8,314
+HK$416/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,796/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$8,082
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,334
−HK$255/mo
Today · 4.125%
HK$8,589
baseline
▲ 0.50% · 4.625%
HK$9,112
+HK$523/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,178/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$8,991
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,233
−HK$244/mo
Today · 4.125%
HK$9,477
baseline
▲ 0.50% · 4.625%
HK$9,977
+HK$500/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,954/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$9,429
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,723
−HK$298/mo
Today · 4.125%
HK$10,021
baseline
▲ 0.50% · 4.625%
HK$10,630
+HK$609/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$20,042/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,490
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,771
−HK$286/mo
Today · 4.125%
HK$11,057
baseline
▲ 0.50% · 4.625%
HK$11,640
+HK$583/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$22,114/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,123
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,500
−HK$384/mo
Today · 4.125%
HK$12,884
baseline
▲ 0.50% · 4.625%
HK$13,668
+HK$784/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$25,768/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$13,487
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,849
−HK$367/mo
Today · 4.125%
HK$14,216
baseline
▲ 0.50% · 4.625%
HK$14,965
+HK$749/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$28,432/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).