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$6,738
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,947
−HK$213/mo
Today · 4.125%
HK$7,160
baseline
▲ 0.50% · 4.625%
HK$7,596
+HK$436/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,320/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$7,496
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,697
−HK$203/mo
Today · 4.125%
HK$7,900
baseline
▲ 0.50% · 4.625%
HK$8,317
+HK$417/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,800/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$8,085
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,337
−HK$255/mo
Today · 4.125%
HK$8,592
baseline
▲ 0.50% · 4.625%
HK$9,115
+HK$523/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,184/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$8,995
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,236
−HK$245/mo
Today · 4.125%
HK$9,481
baseline
▲ 0.50% · 4.625%
HK$9,980
+HK$499/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,962/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$9,433
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,726
−HK$298/mo
Today · 4.125%
HK$10,024
baseline
▲ 0.50% · 4.625%
HK$10,634
+HK$610/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$20,048/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$10,494
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,775
−HK$286/mo
Today · 4.125%
HK$11,061
baseline
▲ 0.50% · 4.625%
HK$11,644
+HK$583/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$22,122/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$12,128
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,505
−HK$383/mo
Today · 4.125%
HK$12,888
baseline
▲ 0.50% · 4.625%
HK$13,672
+HK$784/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$25,776/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$13,492
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,854
−HK$367/mo
Today · 4.125%
HK$14,221
baseline
▲ 0.50% · 4.625%
HK$14,970
+HK$749/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$28,442/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).