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$6,745
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,955
−HK$213/mo
Today · 4.125%
HK$7,168
baseline
▲ 0.50% · 4.625%
HK$7,604
+HK$436/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,336/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$7,504
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,705
−HK$204/mo
Today · 4.125%
HK$7,909
baseline
▲ 0.50% · 4.625%
HK$8,326
+HK$417/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,818/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$8,094
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,346
−HK$256/mo
Today · 4.125%
HK$8,602
baseline
▲ 0.50% · 4.625%
HK$9,125
+HK$523/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,204/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$9,004
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,246
−HK$245/mo
Today · 4.125%
HK$9,491
baseline
▲ 0.50% · 4.625%
HK$9,991
+HK$500/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,982/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$9,443
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,737
−HK$298/mo
Today · 4.125%
HK$10,035
baseline
▲ 0.50% · 4.625%
HK$10,646
+HK$611/mo
Deposit HK$887K · loan HK$2.07M · min. income ≈ HK$20,070/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$10,505
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,787
−HK$286/mo
Today · 4.125%
HK$11,073
baseline
▲ 0.50% · 4.625%
HK$11,656
+HK$583/mo
Deposit HK$887K · loan HK$2.07M · min. income ≈ HK$22,146/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$12,141
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,519
−HK$383/mo
Today · 4.125%
HK$12,902
baseline
▲ 0.50% · 4.625%
HK$13,687
+HK$785/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$25,804/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$13,507
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,869
−HK$367/mo
Today · 4.125%
HK$14,236
baseline
▲ 0.50% · 4.625%
HK$14,987
+HK$751/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$28,472/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).