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$6,736
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,946
−HK$213/mo
Today · 4.125%
HK$7,159
baseline
▲ 0.50% · 4.625%
HK$7,594
+HK$435/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,318/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$7,494
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,695
−HK$204/mo
Today · 4.125%
HK$7,899
baseline
▲ 0.50% · 4.625%
HK$8,315
+HK$416/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,798/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$8,084
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,335
−HK$256/mo
Today · 4.125%
HK$8,591
baseline
▲ 0.50% · 4.625%
HK$9,113
+HK$522/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,182/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$8,993
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,234
−HK$245/mo
Today · 4.125%
HK$9,479
baseline
▲ 0.50% · 4.625%
HK$9,979
+HK$500/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,958/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$9,431
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,724
−HK$298/mo
Today · 4.125%
HK$10,022
baseline
▲ 0.50% · 4.625%
HK$10,632
+HK$610/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$20,044/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$10,492
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,773
−HK$286/mo
Today · 4.125%
HK$11,059
baseline
▲ 0.50% · 4.625%
HK$11,642
+HK$583/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$22,118/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$12,126
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,503
−HK$383/mo
Today · 4.125%
HK$12,886
baseline
▲ 0.50% · 4.625%
HK$13,670
+HK$784/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$25,772/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$13,490
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,851
−HK$367/mo
Today · 4.125%
HK$14,218
baseline
▲ 0.50% · 4.625%
HK$14,968
+HK$750/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$28,436/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).