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$6,730
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,940
−HK$212/mo
Today · 4.125%
HK$7,152
baseline
▲ 0.50% · 4.625%
HK$7,588
+HK$436/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,304/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$7,488
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,688
−HK$204/mo
Today · 4.125%
HK$7,892
baseline
▲ 0.50% · 4.625%
HK$8,308
+HK$416/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,784/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$8,076
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,328
−HK$255/mo
Today · 4.125%
HK$8,583
baseline
▲ 0.50% · 4.625%
HK$9,105
+HK$522/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,166/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$8,985
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,226
−HK$244/mo
Today · 4.125%
HK$9,470
baseline
▲ 0.50% · 4.625%
HK$9,970
+HK$500/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,940/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$9,423
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,716
−HK$297/mo
Today · 4.125%
HK$10,013
baseline
▲ 0.50% · 4.625%
HK$10,623
+HK$610/mo
Deposit HK$885K · loan HK$2.07M · min. income ≈ HK$20,026/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$10,483
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,764
−HK$285/mo
Today · 4.125%
HK$11,049
baseline
▲ 0.50% · 4.625%
HK$11,631
+HK$582/mo
Deposit HK$885K · loan HK$2.07M · min. income ≈ HK$22,098/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$12,115
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,492
−HK$382/mo
Today · 4.125%
HK$12,874
baseline
▲ 0.50% · 4.625%
HK$13,658
+HK$784/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$25,748/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$13,478
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,839
−HK$367/mo
Today · 4.125%
HK$14,206
baseline
▲ 0.50% · 4.625%
HK$14,954
+HK$748/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$28,412/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).