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$6,771
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,981
−HK$214/mo
Today · 4.125%
HK$7,195
baseline
▲ 0.50% · 4.625%
HK$7,633
+HK$438/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,390/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$7,532
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,734
−HK$205/mo
Today · 4.125%
HK$7,939
baseline
▲ 0.50% · 4.625%
HK$8,358
+HK$419/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,878/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$8,125
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,378
−HK$256/mo
Today · 4.125%
HK$8,634
baseline
▲ 0.50% · 4.625%
HK$9,160
+HK$526/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,268/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,039
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,281
−HK$246/mo
Today · 4.125%
HK$9,527
baseline
▲ 0.50% · 4.625%
HK$10,029
+HK$502/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,054/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,479
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,774
−HK$299/mo
Today · 4.125%
HK$10,073
baseline
▲ 0.50% · 4.625%
HK$10,686
+HK$613/mo
Deposit HK$891K · loan HK$2.08M · min. income ≈ HK$20,146/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,545
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,828
−HK$287/mo
Today · 4.125%
HK$11,115
baseline
▲ 0.50% · 4.625%
HK$11,701
+HK$586/mo
Deposit HK$891K · loan HK$2.08M · min. income ≈ HK$22,230/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,187
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,566
−HK$386/mo
Today · 4.125%
HK$12,952
baseline
▲ 0.50% · 4.625%
HK$13,740
+HK$788/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$25,904/mo (50% DSR)
Upfront cash ≈ HK$297K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,558
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,922
−HK$369/mo
Today · 4.125%
HK$14,291
baseline
▲ 0.50% · 4.625%
HK$15,044
+HK$753/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$28,582/mo (50% DSR)
Upfront cash ≈ HK$297K (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).