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$6,769
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,980
−HK$213/mo
Today · 4.125%
HK$7,193
baseline
▲ 0.50% · 4.625%
HK$7,631
+HK$438/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,386/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$7,530
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,732
−HK$205/mo
Today · 4.125%
HK$7,937
baseline
▲ 0.50% · 4.625%
HK$8,356
+HK$419/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,874/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$8,123
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,375
−HK$257/mo
Today · 4.125%
HK$8,632
baseline
▲ 0.50% · 4.625%
HK$9,157
+HK$525/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,264/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$9,036
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,279
−HK$246/mo
Today · 4.125%
HK$9,525
baseline
▲ 0.50% · 4.625%
HK$10,027
+HK$502/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,050/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$9,477
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,771
−HK$300/mo
Today · 4.125%
HK$10,071
baseline
▲ 0.50% · 4.625%
HK$10,684
+HK$613/mo
Deposit HK$891K · loan HK$2.08M · min. income ≈ HK$20,142/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,543
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,825
−HK$287/mo
Today · 4.125%
HK$11,112
baseline
▲ 0.50% · 4.625%
HK$11,698
+HK$586/mo
Deposit HK$891K · loan HK$2.08M · min. income ≈ HK$22,224/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,184
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,563
−HK$385/mo
Today · 4.125%
HK$12,948
baseline
▲ 0.50% · 4.625%
HK$13,736
+HK$788/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$25,896/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$13,555
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,918
−HK$369/mo
Today · 4.125%
HK$14,287
baseline
▲ 0.50% · 4.625%
HK$15,040
+HK$753/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$28,574/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).