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$6,762
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,972
−HK$214/mo
Today · 4.125%
HK$7,186
baseline
▲ 0.50% · 4.625%
HK$7,623
+HK$437/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,372/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$7,523
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,725
−HK$204/mo
Today · 4.125%
HK$7,929
baseline
▲ 0.50% · 4.625%
HK$8,347
+HK$418/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,858/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$8,115
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,367
−HK$256/mo
Today · 4.125%
HK$8,623
baseline
▲ 0.50% · 4.625%
HK$9,148
+HK$525/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,246/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$9,027
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,269
−HK$246/mo
Today · 4.125%
HK$9,515
baseline
▲ 0.50% · 4.625%
HK$10,017
+HK$502/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,030/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$9,467
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,761
−HK$300/mo
Today · 4.125%
HK$10,061
baseline
▲ 0.50% · 4.625%
HK$10,673
+HK$612/mo
Deposit HK$890K · loan HK$2.08M · min. income ≈ HK$20,122/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$10,532
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,814
−HK$287/mo
Today · 4.125%
HK$11,101
baseline
▲ 0.50% · 4.625%
HK$11,686
+HK$585/mo
Deposit HK$890K · loan HK$2.08M · min. income ≈ HK$22,202/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$12,172
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,550
−HK$385/mo
Today · 4.125%
HK$12,935
baseline
▲ 0.50% · 4.625%
HK$13,722
+HK$787/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$25,870/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$13,541
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,904
−HK$369/mo
Today · 4.125%
HK$14,273
baseline
▲ 0.50% · 4.625%
HK$15,025
+HK$752/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$28,546/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).