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$6,717
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,926
−HK$213/mo
Today · 4.125%
HK$7,139
baseline
▲ 0.50% · 4.625%
HK$7,573
+HK$434/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,278/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,473
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,674
−HK$203/mo
Today · 4.125%
HK$7,877
baseline
▲ 0.50% · 4.625%
HK$8,292
+HK$415/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,754/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,061
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,312
−HK$254/mo
Today · 4.125%
HK$8,566
baseline
▲ 0.50% · 4.625%
HK$9,088
+HK$522/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,132/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$8,968
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,208
−HK$244/mo
Today · 4.125%
HK$9,452
baseline
▲ 0.50% · 4.625%
HK$9,951
+HK$499/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,904/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$9,404
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,697
−HK$297/mo
Today · 4.125%
HK$9,994
baseline
▲ 0.50% · 4.625%
HK$10,602
+HK$608/mo
Deposit HK$884K · loan HK$2.06M · min. income ≈ HK$19,988/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,462
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,743
−HK$285/mo
Today · 4.125%
HK$11,028
baseline
▲ 0.50% · 4.625%
HK$11,609
+HK$581/mo
Deposit HK$884K · loan HK$2.06M · min. income ≈ HK$22,056/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,091
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,468
−HK$382/mo
Today · 4.125%
HK$12,850
baseline
▲ 0.50% · 4.625%
HK$13,632
+HK$782/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$25,700/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$13,452
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,812
−HK$366/mo
Today · 4.125%
HK$14,178
baseline
▲ 0.50% · 4.625%
HK$14,926
+HK$748/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$28,356/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).