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$6,751
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,961
−HK$213/mo
Today · 4.125%
HK$7,174
baseline
▲ 0.50% · 4.625%
HK$7,611
+HK$437/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,348/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$7,510
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,712
−HK$204/mo
Today · 4.125%
HK$7,916
baseline
▲ 0.50% · 4.625%
HK$8,333
+HK$417/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,832/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$8,101
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,353
−HK$256/mo
Today · 4.125%
HK$8,609
baseline
▲ 0.50% · 4.625%
HK$9,133
+HK$524/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$17,218/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$9,012
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,254
−HK$245/mo
Today · 4.125%
HK$9,499
baseline
▲ 0.50% · 4.625%
HK$10,000
+HK$501/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$18,998/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$9,451
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,745
−HK$299/mo
Today · 4.125%
HK$10,044
baseline
▲ 0.50% · 4.625%
HK$10,655
+HK$611/mo
Deposit HK$888K · loan HK$2.07M · min. income ≈ HK$20,088/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,514
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,796
−HK$286/mo
Today · 4.125%
HK$11,082
baseline
▲ 0.50% · 4.625%
HK$11,667
+HK$585/mo
Deposit HK$888K · loan HK$2.07M · min. income ≈ HK$22,164/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,152
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,530
−HK$384/mo
Today · 4.125%
HK$12,914
baseline
▲ 0.50% · 4.625%
HK$13,699
+HK$785/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$25,828/mo (50% DSR)
Upfront cash ≈ HK$296K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,519
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,881
−HK$368/mo
Today · 4.125%
HK$14,249
baseline
▲ 0.50% · 4.625%
HK$15,000
+HK$751/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$28,498/mo (50% DSR)
Upfront cash ≈ HK$296K (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).