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$6,733
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,943
−HK$213/mo
Today · 4.125%
HK$7,156
baseline
▲ 0.50% · 4.625%
HK$7,591
+HK$435/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,312/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$7,491
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,692
−HK$204/mo
Today · 4.125%
HK$7,896
baseline
▲ 0.50% · 4.625%
HK$8,312
+HK$416/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,792/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$8,080
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,331
−HK$256/mo
Today · 4.125%
HK$8,587
baseline
▲ 0.50% · 4.625%
HK$9,109
+HK$522/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,174/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$8,989
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,230
−HK$245/mo
Today · 4.125%
HK$9,475
baseline
▲ 0.50% · 4.625%
HK$9,974
+HK$499/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,950/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$9,427
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,720
−HK$298/mo
Today · 4.125%
HK$10,018
baseline
▲ 0.50% · 4.625%
HK$10,628
+HK$610/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$20,036/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$10,487
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,769
−HK$285/mo
Today · 4.125%
HK$11,054
baseline
▲ 0.50% · 4.625%
HK$11,637
+HK$583/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$22,108/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$12,120
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,497
−HK$383/mo
Today · 4.125%
HK$12,880
baseline
▲ 0.50% · 4.625%
HK$13,664
+HK$784/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$25,760/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$13,484
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,845
−HK$367/mo
Today · 4.125%
HK$14,212
baseline
▲ 0.50% · 4.625%
HK$14,961
+HK$749/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$28,424/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).