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$6,732
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,941
−HK$213/mo
Today · 4.125%
HK$7,154
baseline
▲ 0.50% · 4.625%
HK$7,589
+HK$435/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,308/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$7,489
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,690
−HK$204/mo
Today · 4.125%
HK$7,894
baseline
▲ 0.50% · 4.625%
HK$8,310
+HK$416/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,788/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$8,078
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,330
−HK$255/mo
Today · 4.125%
HK$8,585
baseline
▲ 0.50% · 4.625%
HK$9,107
+HK$522/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,170/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$8,987
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,228
−HK$245/mo
Today · 4.125%
HK$9,473
baseline
▲ 0.50% · 4.625%
HK$9,972
+HK$499/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,946/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$9,425
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,718
−HK$298/mo
Today · 4.125%
HK$10,016
baseline
▲ 0.50% · 4.625%
HK$10,625
+HK$609/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$20,032/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$10,485
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,766
−HK$285/mo
Today · 4.125%
HK$11,051
baseline
▲ 0.50% · 4.625%
HK$11,634
+HK$583/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$22,102/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$12,117
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,494
−HK$383/mo
Today · 4.125%
HK$12,877
baseline
▲ 0.50% · 4.625%
HK$13,661
+HK$784/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$25,754/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$13,481
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,842
−HK$367/mo
Today · 4.125%
HK$14,209
baseline
▲ 0.50% · 4.625%
HK$14,958
+HK$749/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$28,418/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).