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$6,754
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,964
−HK$213/mo
Today · 4.125%
HK$7,177
baseline
▲ 0.50% · 4.625%
HK$7,614
+HK$437/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,354/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$7,513
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,715
−HK$204/mo
Today · 4.125%
HK$7,919
baseline
▲ 0.50% · 4.625%
HK$8,337
+HK$418/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,838/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$8,104
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,357
−HK$256/mo
Today · 4.125%
HK$8,613
baseline
▲ 0.50% · 4.625%
HK$9,137
+HK$524/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$17,226/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$9,016
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,258
−HK$245/mo
Today · 4.125%
HK$9,503
baseline
▲ 0.50% · 4.625%
HK$10,004
+HK$501/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$19,006/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$9,455
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,749
−HK$299/mo
Today · 4.125%
HK$10,048
baseline
▲ 0.50% · 4.625%
HK$10,660
+HK$612/mo
Deposit HK$889K · loan HK$2.07M · min. income ≈ HK$20,096/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,519
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,801
−HK$286/mo
Today · 4.125%
HK$11,087
baseline
▲ 0.50% · 4.625%
HK$11,672
+HK$585/mo
Deposit HK$889K · loan HK$2.07M · min. income ≈ HK$22,174/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,157
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,535
−HK$384/mo
Today · 4.125%
HK$12,919
baseline
▲ 0.50% · 4.625%
HK$13,705
+HK$786/mo
Deposit HK$296K · loan HK$2.67M · min. income ≈ HK$25,838/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$13,524
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,887
−HK$368/mo
Today · 4.125%
HK$14,255
baseline
▲ 0.50% · 4.625%
HK$15,006
+HK$751/mo
Deposit HK$296K · loan HK$2.67M · min. income ≈ HK$28,510/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).