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$6,732
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,941
−HK$213/mo
Today · 4.125%
HK$7,154
baseline
▲ 0.50% · 4.625%
HK$7,589
+HK$435/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,308/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$7,489
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,690
−HK$203/mo
Today · 4.125%
HK$7,893
baseline
▲ 0.50% · 4.625%
HK$8,309
+HK$416/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,786/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$8,078
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,329
−HK$255/mo
Today · 4.125%
HK$8,584
baseline
▲ 0.50% · 4.625%
HK$9,107
+HK$523/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,168/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$8,987
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,228
−HK$244/mo
Today · 4.125%
HK$9,472
baseline
▲ 0.50% · 4.625%
HK$9,971
+HK$499/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,944/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$9,424
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,717
−HK$298/mo
Today · 4.125%
HK$10,015
baseline
▲ 0.50% · 4.625%
HK$10,625
+HK$610/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$20,030/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,484
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,765
−HK$286/mo
Today · 4.125%
HK$11,051
baseline
▲ 0.50% · 4.625%
HK$11,633
+HK$582/mo
Deposit HK$886K · loan HK$2.07M · min. income ≈ HK$22,102/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,117
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,494
−HK$383/mo
Today · 4.125%
HK$12,877
baseline
▲ 0.50% · 4.625%
HK$13,660
+HK$783/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$25,754/mo (50% DSR)
Upfront cash ≈ HK$295K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,480
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,841
−HK$367/mo
Today · 4.125%
HK$14,208
baseline
▲ 0.50% · 4.625%
HK$14,957
+HK$749/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$28,416/mo (50% DSR)
Upfront cash ≈ HK$295K (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).