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$6,739
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,948
−HK$213/mo
Today · 4.125%
HK$7,161
baseline
▲ 0.50% · 4.625%
HK$7,597
+HK$436/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,322/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$7,497
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,698
−HK$204/mo
Today · 4.125%
HK$7,902
baseline
▲ 0.50% · 4.625%
HK$8,318
+HK$416/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,804/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$8,087
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,338
−HK$256/mo
Today · 4.125%
HK$8,594
baseline
▲ 0.50% · 4.625%
HK$9,117
+HK$523/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,188/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$8,996
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,237
−HK$245/mo
Today · 4.125%
HK$9,482
baseline
▲ 0.50% · 4.625%
HK$9,982
+HK$500/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,964/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$9,434
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,728
−HK$298/mo
Today · 4.125%
HK$10,026
baseline
▲ 0.50% · 4.625%
HK$10,636
+HK$610/mo
Deposit HK$887K · loan HK$2.07M · min. income ≈ HK$20,052/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,496
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,777
−HK$286/mo
Today · 4.125%
HK$11,063
baseline
▲ 0.50% · 4.625%
HK$11,646
+HK$583/mo
Deposit HK$887K · loan HK$2.07M · min. income ≈ HK$22,126/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,130
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,507
−HK$383/mo
Today · 4.125%
HK$12,890
baseline
▲ 0.50% · 4.625%
HK$13,675
+HK$785/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$25,780/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$13,494
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,856
−HK$367/mo
Today · 4.125%
HK$14,223
baseline
▲ 0.50% · 4.625%
HK$14,973
+HK$750/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$28,446/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).