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$6,764
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,974
−HK$214/mo
Today · 4.125%
HK$7,188
baseline
▲ 0.50% · 4.625%
HK$7,625
+HK$437/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,376/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$7,524
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,726
−HK$205/mo
Today · 4.125%
HK$7,931
baseline
▲ 0.50% · 4.625%
HK$8,349
+HK$418/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,862/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$8,116
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,369
−HK$256/mo
Today · 4.125%
HK$8,625
baseline
▲ 0.50% · 4.625%
HK$9,150
+HK$525/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,250/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$9,029
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,271
−HK$246/mo
Today · 4.125%
HK$9,517
baseline
▲ 0.50% · 4.625%
HK$10,019
+HK$502/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,034/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$9,469
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,764
−HK$299/mo
Today · 4.125%
HK$10,063
baseline
▲ 0.50% · 4.625%
HK$10,675
+HK$612/mo
Deposit HK$890K · loan HK$2.08M · min. income ≈ HK$20,126/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,534
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,817
−HK$286/mo
Today · 4.125%
HK$11,103
baseline
▲ 0.50% · 4.625%
HK$11,689
+HK$586/mo
Deposit HK$890K · loan HK$2.08M · min. income ≈ HK$22,206/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,174
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,553
−HK$385/mo
Today · 4.125%
HK$12,938
baseline
▲ 0.50% · 4.625%
HK$13,725
+HK$787/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$25,876/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$13,544
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,907
−HK$369/mo
Today · 4.125%
HK$14,276
baseline
▲ 0.50% · 4.625%
HK$15,028
+HK$752/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$28,552/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).