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$6,762
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,972
−HK$214/mo
Today · 4.125%
HK$7,186
baseline
▲ 0.50% · 4.625%
HK$7,623
+HK$437/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,372/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$7,522
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,724
−HK$205/mo
Today · 4.125%
HK$7,929
baseline
▲ 0.50% · 4.625%
HK$8,346
+HK$417/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,858/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$8,114
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,366
−HK$257/mo
Today · 4.125%
HK$8,623
baseline
▲ 0.50% · 4.625%
HK$9,147
+HK$524/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,246/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$9,027
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,269
−HK$245/mo
Today · 4.125%
HK$9,514
baseline
▲ 0.50% · 4.625%
HK$10,016
+HK$502/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,028/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$9,466
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,761
−HK$299/mo
Today · 4.125%
HK$10,060
baseline
▲ 0.50% · 4.625%
HK$10,672
+HK$612/mo
Deposit HK$890K · loan HK$2.08M · min. income ≈ HK$20,120/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,531
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,813
−HK$287/mo
Today · 4.125%
HK$11,100
baseline
▲ 0.50% · 4.625%
HK$11,685
+HK$585/mo
Deposit HK$890K · loan HK$2.08M · min. income ≈ HK$22,200/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,171
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,549
−HK$385/mo
Today · 4.125%
HK$12,934
baseline
▲ 0.50% · 4.625%
HK$13,721
+HK$787/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$25,868/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$13,540
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,903
−HK$368/mo
Today · 4.125%
HK$14,271
baseline
▲ 0.50% · 4.625%
HK$15,024
+HK$753/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$28,542/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).