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$6,734
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,944
−HK$212/mo
Today · 4.125%
HK$7,156
baseline
▲ 0.50% · 4.625%
HK$7,592
+HK$436/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$7,492
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,693
−HK$203/mo
Today · 4.125%
HK$7,896
baseline
▲ 0.50% · 4.625%
HK$8,313
+HK$417/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$8,081
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,332
−HK$256/mo
Today · 4.125%
HK$8,588
baseline
▲ 0.50% · 4.625%
HK$9,110
+HK$522/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,176/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$8,990
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,231
−HK$245/mo
Today · 4.125%
HK$9,476
baseline
▲ 0.50% · 4.625%
HK$9,975
+HK$499/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,952/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$9,428
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,721
−HK$298/mo
Today · 4.125%
HK$10,019
baseline
▲ 0.50% · 4.625%
HK$10,629
+HK$610/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$20,038/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$10,488
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,770
−HK$285/mo
Today · 4.125%
HK$11,055
baseline
▲ 0.50% · 4.625%
HK$11,638
+HK$583/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$22,110/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$12,121
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,498
−HK$384/mo
Today · 4.125%
HK$12,882
baseline
▲ 0.50% · 4.625%
HK$13,665
+HK$783/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$25,764/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$13,485
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,847
−HK$366/mo
Today · 4.125%
HK$14,213
baseline
▲ 0.50% · 4.625%
HK$14,963
+HK$750/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$28,426/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).