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$6,943
−HK$213/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$7,491
−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$8,081
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,332
−HK$255/mo
Today · 4.125%
HK$8,587
baseline
▲ 0.50% · 4.625%
HK$9,110
+HK$523/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$8,990
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,231
−HK$244/mo
Today · 4.125%
HK$9,475
baseline
▲ 0.50% · 4.625%
HK$9,975
+HK$500/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$592/mo
▼ 0.25% · 3.875%
HK$9,721
−HK$298/mo
Today · 4.125%
HK$10,019
baseline
▲ 0.50% · 4.625%
HK$10,628
+HK$609/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$10,769
−HK$286/mo
Today · 4.125%
HK$11,055
baseline
▲ 0.50% · 4.625%
HK$11,637
+HK$582/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$760/mo
▼ 0.25% · 3.875%
HK$12,498
−HK$383/mo
Today · 4.125%
HK$12,881
baseline
▲ 0.50% · 4.625%
HK$13,665
+HK$784/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$25,762/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$729/mo
▼ 0.25% · 3.875%
HK$13,846
−HK$367/mo
Today · 4.125%
HK$14,213
baseline
▲ 0.50% · 4.625%
HK$14,962
+HK$749/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).