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$6,753
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,963
−HK$214/mo
Today · 4.125%
HK$7,177
baseline
▲ 0.50% · 4.625%
HK$7,614
+HK$437/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,354/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$7,513
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,715
−HK$204/mo
Today · 4.125%
HK$7,919
baseline
▲ 0.50% · 4.625%
HK$8,336
+HK$417/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,838/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$8,104
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,356
−HK$256/mo
Today · 4.125%
HK$8,612
baseline
▲ 0.50% · 4.625%
HK$9,136
+HK$524/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$17,224/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$9,016
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,258
−HK$245/mo
Today · 4.125%
HK$9,503
baseline
▲ 0.50% · 4.625%
HK$10,004
+HK$501/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$19,006/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$9,455
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,749
−HK$299/mo
Today · 4.125%
HK$10,048
baseline
▲ 0.50% · 4.625%
HK$10,659
+HK$611/mo
Deposit HK$889K · loan HK$2.07M · min. income ≈ HK$20,096/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,518
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,800
−HK$287/mo
Today · 4.125%
HK$11,087
baseline
▲ 0.50% · 4.625%
HK$11,671
+HK$584/mo
Deposit HK$889K · loan HK$2.07M · min. income ≈ HK$22,174/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,156
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,534
−HK$384/mo
Today · 4.125%
HK$12,918
baseline
▲ 0.50% · 4.625%
HK$13,705
+HK$787/mo
Deposit HK$296K · loan HK$2.67M · min. income ≈ HK$25,836/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$13,524
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,886
−HK$368/mo
Today · 4.125%
HK$14,254
baseline
▲ 0.50% · 4.625%
HK$15,006
+HK$752/mo
Deposit HK$296K · loan HK$2.67M · min. income ≈ HK$28,508/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).