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$6,748
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,958
−HK$213/mo
Today · 4.125%
HK$7,171
baseline
▲ 0.50% · 4.625%
HK$7,608
+HK$437/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,342/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$7,507
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,708
−HK$205/mo
Today · 4.125%
HK$7,913
baseline
▲ 0.50% · 4.625%
HK$8,330
+HK$417/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,826/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$8,098
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,350
−HK$255/mo
Today · 4.125%
HK$8,605
baseline
▲ 0.50% · 4.625%
HK$9,129
+HK$524/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$17,210/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$9,009
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,250
−HK$245/mo
Today · 4.125%
HK$9,495
baseline
▲ 0.50% · 4.625%
HK$9,996
+HK$501/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$18,990/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$9,447
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,741
−HK$299/mo
Today · 4.125%
HK$10,040
baseline
▲ 0.50% · 4.625%
HK$10,651
+HK$611/mo
Deposit HK$888K · loan HK$2.07M · min. income ≈ HK$20,080/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,510
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,792
−HK$286/mo
Today · 4.125%
HK$11,078
baseline
▲ 0.50% · 4.625%
HK$11,662
+HK$584/mo
Deposit HK$888K · loan HK$2.07M · min. income ≈ HK$22,156/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,146
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,524
−HK$384/mo
Today · 4.125%
HK$12,908
baseline
▲ 0.50% · 4.625%
HK$13,694
+HK$786/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$25,816/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$13,513
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,875
−HK$368/mo
Today · 4.125%
HK$14,243
baseline
▲ 0.50% · 4.625%
HK$14,994
+HK$751/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$28,486/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).