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$6,746
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,956
−HK$213/mo
Today · 4.125%
HK$7,169
baseline
▲ 0.50% · 4.625%
HK$7,606
+HK$437/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,338/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$7,505
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,706
−HK$205/mo
Today · 4.125%
HK$7,911
baseline
▲ 0.50% · 4.625%
HK$8,328
+HK$417/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,822/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$8,096
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,347
−HK$256/mo
Today · 4.125%
HK$8,603
baseline
▲ 0.50% · 4.625%
HK$9,127
+HK$524/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$17,206/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$9,006
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,248
−HK$245/mo
Today · 4.125%
HK$9,493
baseline
▲ 0.50% · 4.625%
HK$9,993
+HK$500/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$18,986/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$9,445
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,739
−HK$298/mo
Today · 4.125%
HK$10,037
baseline
▲ 0.50% · 4.625%
HK$10,648
+HK$611/mo
Deposit HK$888K · loan HK$2.07M · min. income ≈ HK$20,074/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$10,507
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,789
−HK$286/mo
Today · 4.125%
HK$11,075
baseline
▲ 0.50% · 4.625%
HK$11,659
+HK$584/mo
Deposit HK$888K · loan HK$2.07M · min. income ≈ HK$22,150/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$12,143
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,521
−HK$384/mo
Today · 4.125%
HK$12,905
baseline
▲ 0.50% · 4.625%
HK$13,690
+HK$785/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$25,810/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$13,509
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,872
−HK$367/mo
Today · 4.125%
HK$14,239
baseline
▲ 0.50% · 4.625%
HK$14,990
+HK$751/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$28,478/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).