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$6,755
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,965
−HK$213/mo
Today · 4.125%
HK$7,178
baseline
▲ 0.50% · 4.625%
HK$7,615
+HK$437/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,356/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$7,515
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,716
−HK$205/mo
Today · 4.125%
HK$7,921
baseline
▲ 0.50% · 4.625%
HK$8,338
+HK$417/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,842/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$8,106
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,358
−HK$256/mo
Today · 4.125%
HK$8,614
baseline
▲ 0.50% · 4.625%
HK$9,138
+HK$524/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$17,228/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$9,017
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,259
−HK$246/mo
Today · 4.125%
HK$9,505
baseline
▲ 0.50% · 4.625%
HK$10,006
+HK$501/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$19,010/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$9,457
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,751
−HK$299/mo
Today · 4.125%
HK$10,050
baseline
▲ 0.50% · 4.625%
HK$10,661
+HK$611/mo
Deposit HK$889K · loan HK$2.07M · min. income ≈ HK$20,100/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$10,520
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,803
−HK$286/mo
Today · 4.125%
HK$11,089
baseline
▲ 0.50% · 4.625%
HK$11,673
+HK$584/mo
Deposit HK$889K · loan HK$2.07M · min. income ≈ HK$22,178/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$12,158
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,537
−HK$384/mo
Today · 4.125%
HK$12,921
baseline
▲ 0.50% · 4.625%
HK$13,707
+HK$786/mo
Deposit HK$296K · loan HK$2.67M · min. income ≈ HK$25,842/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$13,526
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,889
−HK$368/mo
Today · 4.125%
HK$14,257
baseline
▲ 0.50% · 4.625%
HK$15,008
+HK$751/mo
Deposit HK$296K · loan HK$2.67M · min. income ≈ HK$28,514/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).