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$6,748
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,958
−HK$214/mo
Today · 4.125%
HK$7,172
baseline
▲ 0.50% · 4.625%
HK$7,608
+HK$436/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,344/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$7,508
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,709
−HK$204/mo
Today · 4.125%
HK$7,913
baseline
▲ 0.50% · 4.625%
HK$8,330
+HK$417/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,826/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$8,098
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,350
−HK$256/mo
Today · 4.125%
HK$8,606
baseline
▲ 0.50% · 4.625%
HK$9,130
+HK$524/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$17,212/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$9,009
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,251
−HK$245/mo
Today · 4.125%
HK$9,496
baseline
▲ 0.50% · 4.625%
HK$9,996
+HK$500/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$18,992/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$9,448
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,742
−HK$298/mo
Today · 4.125%
HK$10,040
baseline
▲ 0.50% · 4.625%
HK$10,651
+HK$611/mo
Deposit HK$888K · loan HK$2.07M · min. income ≈ HK$20,080/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,511
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,792
−HK$286/mo
Today · 4.125%
HK$11,078
baseline
▲ 0.50% · 4.625%
HK$11,662
+HK$584/mo
Deposit HK$888K · loan HK$2.07M · min. income ≈ HK$22,156/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,147
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,525
−HK$384/mo
Today · 4.125%
HK$12,909
baseline
▲ 0.50% · 4.625%
HK$13,694
+HK$785/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$25,818/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$13,514
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,876
−HK$368/mo
Today · 4.125%
HK$14,244
baseline
▲ 0.50% · 4.625%
HK$14,994
+HK$750/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$28,488/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).