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$6,750
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,960
−HK$213/mo
Today · 4.125%
HK$7,173
baseline
▲ 0.50% · 4.625%
HK$7,610
+HK$437/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,346/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$7,510
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,711
−HK$204/mo
Today · 4.125%
HK$7,915
baseline
▲ 0.50% · 4.625%
HK$8,332
+HK$417/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,830/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$8,100
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,352
−HK$256/mo
Today · 4.125%
HK$8,608
baseline
▲ 0.50% · 4.625%
HK$9,132
+HK$524/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$17,216/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$9,011
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,253
−HK$245/mo
Today · 4.125%
HK$9,498
baseline
▲ 0.50% · 4.625%
HK$9,999
+HK$501/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$18,996/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$9,450
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,744
−HK$299/mo
Today · 4.125%
HK$10,043
baseline
▲ 0.50% · 4.625%
HK$10,654
+HK$611/mo
Deposit HK$888K · loan HK$2.07M · min. income ≈ HK$20,086/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$10,513
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,795
−HK$286/mo
Today · 4.125%
HK$11,081
baseline
▲ 0.50% · 4.625%
HK$11,665
+HK$584/mo
Deposit HK$888K · loan HK$2.07M · min. income ≈ HK$22,162/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$12,150
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,528
−HK$384/mo
Today · 4.125%
HK$12,912
baseline
▲ 0.50% · 4.625%
HK$13,698
+HK$786/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$25,824/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$13,517
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,880
−HK$367/mo
Today · 4.125%
HK$14,247
baseline
▲ 0.50% · 4.625%
HK$14,998
+HK$751/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$28,494/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).