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$6,760
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,971
−HK$213/mo
Today · 4.125%
HK$7,184
baseline
▲ 0.50% · 4.625%
HK$7,621
+HK$437/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,368/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$7,521
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,722
−HK$205/mo
Today · 4.125%
HK$7,927
baseline
▲ 0.50% · 4.625%
HK$8,345
+HK$418/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,854/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$8,112
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,365
−HK$256/mo
Today · 4.125%
HK$8,621
baseline
▲ 0.50% · 4.625%
HK$9,146
+HK$525/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,242/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$9,025
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,267
−HK$245/mo
Today · 4.125%
HK$9,512
baseline
▲ 0.50% · 4.625%
HK$10,014
+HK$502/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,024/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$9,464
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,759
−HK$299/mo
Today · 4.125%
HK$10,058
baseline
▲ 0.50% · 4.625%
HK$10,670
+HK$612/mo
Deposit HK$889K · loan HK$2.08M · min. income ≈ HK$20,116/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,529
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,811
−HK$287/mo
Today · 4.125%
HK$11,098
baseline
▲ 0.50% · 4.625%
HK$11,683
+HK$585/mo
Deposit HK$889K · loan HK$2.08M · min. income ≈ HK$22,196/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,168
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,547
−HK$384/mo
Today · 4.125%
HK$12,931
baseline
▲ 0.50% · 4.625%
HK$13,718
+HK$787/mo
Deposit HK$296K · loan HK$2.67M · min. income ≈ HK$25,862/mo (50% DSR)
Upfront cash ≈ HK$297K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,537
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,900
−HK$369/mo
Today · 4.125%
HK$14,269
baseline
▲ 0.50% · 4.625%
HK$15,021
+HK$752/mo
Deposit HK$296K · loan HK$2.67M · min. income ≈ HK$28,538/mo (50% DSR)
Upfront cash ≈ HK$297K (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).