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$6,727
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,936
−HK$212/mo
Today · 4.125%
HK$7,148
baseline
▲ 0.50% · 4.625%
HK$7,583
+HK$435/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,296/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$7,483
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,684
−HK$204/mo
Today · 4.125%
HK$7,888
baseline
▲ 0.50% · 4.625%
HK$8,303
+HK$415/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,776/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$8,072
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,323
−HK$255/mo
Today · 4.125%
HK$8,578
baseline
▲ 0.50% · 4.625%
HK$9,100
+HK$522/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,156/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$8,980
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,221
−HK$244/mo
Today · 4.125%
HK$9,465
baseline
▲ 0.50% · 4.625%
HK$9,964
+HK$499/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,930/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$9,417
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,710
−HK$298/mo
Today · 4.125%
HK$10,008
baseline
▲ 0.50% · 4.625%
HK$10,617
+HK$609/mo
Deposit HK$885K · loan HK$2.06M · min. income ≈ HK$20,016/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,477
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,758
−HK$285/mo
Today · 4.125%
HK$11,043
baseline
▲ 0.50% · 4.625%
HK$11,625
+HK$582/mo
Deposit HK$885K · loan HK$2.06M · min. income ≈ HK$22,086/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,108
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,484
−HK$383/mo
Today · 4.125%
HK$12,867
baseline
▲ 0.50% · 4.625%
HK$13,650
+HK$783/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$25,734/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$13,470
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,831
−HK$367/mo
Today · 4.125%
HK$14,198
baseline
▲ 0.50% · 4.625%
HK$14,946
+HK$748/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$28,396/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).