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$6,740
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,950
−HK$213/mo
Today · 4.125%
HK$7,163
baseline
▲ 0.50% · 4.625%
HK$7,598
+HK$435/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,326/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$7,498
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,699
−HK$204/mo
Today · 4.125%
HK$7,903
baseline
▲ 0.50% · 4.625%
HK$8,320
+HK$417/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,806/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$8,088
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,340
−HK$255/mo
Today · 4.125%
HK$8,595
baseline
▲ 0.50% · 4.625%
HK$9,118
+HK$523/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,190/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$8,998
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,239
−HK$245/mo
Today · 4.125%
HK$9,484
baseline
▲ 0.50% · 4.625%
HK$9,984
+HK$500/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,968/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$9,436
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,729
−HK$299/mo
Today · 4.125%
HK$10,028
baseline
▲ 0.50% · 4.625%
HK$10,638
+HK$610/mo
Deposit HK$887K · loan HK$2.07M · min. income ≈ HK$20,056/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,497
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,779
−HK$286/mo
Today · 4.125%
HK$11,065
baseline
▲ 0.50% · 4.625%
HK$11,648
+HK$583/mo
Deposit HK$887K · loan HK$2.07M · min. income ≈ HK$22,130/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,132
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,509
−HK$384/mo
Today · 4.125%
HK$12,893
baseline
▲ 0.50% · 4.625%
HK$13,677
+HK$784/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$25,786/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$13,497
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,859
−HK$367/mo
Today · 4.125%
HK$14,226
baseline
▲ 0.50% · 4.625%
HK$14,976
+HK$750/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$28,452/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).