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$6,735
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,944
−HK$213/mo
Today · 4.125%
HK$7,157
baseline
▲ 0.50% · 4.625%
HK$7,593
+HK$436/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,314/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$7,492
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,693
−HK$204/mo
Today · 4.125%
HK$7,897
baseline
▲ 0.50% · 4.625%
HK$8,314
+HK$417/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,794/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$8,082
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,333
−HK$256/mo
Today · 4.125%
HK$8,589
baseline
▲ 0.50% · 4.625%
HK$9,111
+HK$522/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,178/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$8,991
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,232
−HK$245/mo
Today · 4.125%
HK$9,477
baseline
▲ 0.50% · 4.625%
HK$9,976
+HK$499/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,954/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$9,429
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,722
−HK$298/mo
Today · 4.125%
HK$10,020
baseline
▲ 0.50% · 4.625%
HK$10,630
+HK$610/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$20,040/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,489
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,771
−HK$285/mo
Today · 4.125%
HK$11,056
baseline
▲ 0.50% · 4.625%
HK$11,639
+HK$583/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$22,112/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,123
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,500
−HK$383/mo
Today · 4.125%
HK$12,883
baseline
▲ 0.50% · 4.625%
HK$13,667
+HK$784/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$25,766/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$13,486
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,848
−HK$367/mo
Today · 4.125%
HK$14,215
baseline
▲ 0.50% · 4.625%
HK$14,964
+HK$749/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$28,430/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).