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$6,758
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,968
−HK$214/mo
Today · 4.125%
HK$7,182
baseline
▲ 0.50% · 4.625%
HK$7,619
+HK$437/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,364/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$7,518
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,720
−HK$204/mo
Today · 4.125%
HK$7,924
baseline
▲ 0.50% · 4.625%
HK$8,342
+HK$418/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,848/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$8,109
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,362
−HK$256/mo
Today · 4.125%
HK$8,618
baseline
▲ 0.50% · 4.625%
HK$9,142
+HK$524/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,236/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$9,022
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,264
−HK$245/mo
Today · 4.125%
HK$9,509
baseline
▲ 0.50% · 4.625%
HK$10,010
+HK$501/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,018/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$9,461
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,755
−HK$299/mo
Today · 4.125%
HK$10,054
baseline
▲ 0.50% · 4.625%
HK$10,666
+HK$612/mo
Deposit HK$889K · loan HK$2.07M · min. income ≈ HK$20,108/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$10,525
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,807
−HK$287/mo
Today · 4.125%
HK$11,094
baseline
▲ 0.50% · 4.625%
HK$11,679
+HK$585/mo
Deposit HK$889K · loan HK$2.07M · min. income ≈ HK$22,188/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$12,164
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,542
−HK$385/mo
Today · 4.125%
HK$12,927
baseline
▲ 0.50% · 4.625%
HK$13,713
+HK$786/mo
Deposit HK$296K · loan HK$2.67M · min. income ≈ HK$25,854/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$13,532
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,895
−HK$368/mo
Today · 4.125%
HK$14,263
baseline
▲ 0.50% · 4.625%
HK$15,015
+HK$752/mo
Deposit HK$296K · loan HK$2.67M · min. income ≈ HK$28,526/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).