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$6,728
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,937
−HK$213/mo
Today · 4.125%
HK$7,150
baseline
▲ 0.50% · 4.625%
HK$7,585
+HK$435/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,300/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$7,485
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,685
−HK$204/mo
Today · 4.125%
HK$7,889
baseline
▲ 0.50% · 4.625%
HK$8,305
+HK$416/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,778/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$8,074
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,325
−HK$255/mo
Today · 4.125%
HK$8,580
baseline
▲ 0.50% · 4.625%
HK$9,102
+HK$522/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,160/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$8,982
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,223
−HK$244/mo
Today · 4.125%
HK$9,467
baseline
▲ 0.50% · 4.625%
HK$9,966
+HK$499/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,934/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$9,419
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,712
−HK$298/mo
Today · 4.125%
HK$10,010
baseline
▲ 0.50% · 4.625%
HK$10,619
+HK$609/mo
Deposit HK$885K · loan HK$2.07M · min. income ≈ HK$20,020/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,479
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,760
−HK$285/mo
Today · 4.125%
HK$11,045
baseline
▲ 0.50% · 4.625%
HK$11,627
+HK$582/mo
Deposit HK$885K · loan HK$2.07M · min. income ≈ HK$22,090/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,110
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,487
−HK$383/mo
Today · 4.125%
HK$12,870
baseline
▲ 0.50% · 4.625%
HK$13,653
+HK$783/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$25,740/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$13,473
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,834
−HK$366/mo
Today · 4.125%
HK$14,200
baseline
▲ 0.50% · 4.625%
HK$14,949
+HK$749/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$28,400/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).