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$6,751
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,961
−HK$214/mo
Today · 4.125%
HK$7,175
baseline
▲ 0.50% · 4.625%
HK$7,611
+HK$436/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,350/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$7,511
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,712
−HK$204/mo
Today · 4.125%
HK$7,916
baseline
▲ 0.50% · 4.625%
HK$8,334
+HK$418/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,832/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$8,101
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,353
−HK$257/mo
Today · 4.125%
HK$8,610
baseline
▲ 0.50% · 4.625%
HK$9,133
+HK$523/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$17,220/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$9,013
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,255
−HK$245/mo
Today · 4.125%
HK$9,500
baseline
▲ 0.50% · 4.625%
HK$10,001
+HK$501/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$19,000/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$9,452
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,746
−HK$298/mo
Today · 4.125%
HK$10,044
baseline
▲ 0.50% · 4.625%
HK$10,656
+HK$612/mo
Deposit HK$888K · loan HK$2.07M · min. income ≈ HK$20,088/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$10,515
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,797
−HK$286/mo
Today · 4.125%
HK$11,083
baseline
▲ 0.50% · 4.625%
HK$11,667
+HK$584/mo
Deposit HK$888K · loan HK$2.07M · min. income ≈ HK$22,166/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$12,152
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,530
−HK$384/mo
Today · 4.125%
HK$12,914
baseline
▲ 0.50% · 4.625%
HK$13,700
+HK$786/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$25,828/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$13,519
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,882
−HK$368/mo
Today · 4.125%
HK$14,250
baseline
▲ 0.50% · 4.625%
HK$15,001
+HK$751/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$28,500/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).