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$6,817
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,029
−HK$216/mo
Today · 4.125%
HK$7,245
baseline
▲ 0.50% · 4.625%
HK$7,686
+HK$441/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,490/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,584
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,788
−HK$206/mo
Today · 4.125%
HK$7,994
baseline
▲ 0.50% · 4.625%
HK$8,415
+HK$421/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,988/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,181
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,435
−HK$259/mo
Today · 4.125%
HK$8,694
baseline
▲ 0.50% · 4.625%
HK$9,223
+HK$529/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$17,388/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,101
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,345
−HK$248/mo
Today · 4.125%
HK$9,593
baseline
▲ 0.50% · 4.625%
HK$10,098
+HK$505/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$19,186/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,544
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,841
−HK$302/mo
Today · 4.125%
HK$10,143
baseline
▲ 0.50% · 4.625%
HK$10,760
+HK$617/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$20,286/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,618
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,903
−HK$288/mo
Today · 4.125%
HK$11,191
baseline
▲ 0.50% · 4.625%
HK$11,781
+HK$590/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$22,382/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,271
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,653
−HK$388/mo
Today · 4.125%
HK$13,041
baseline
▲ 0.50% · 4.625%
HK$13,834
+HK$793/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,082/mo (50% DSR)
Upfront cash ≈ HK$299K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,651
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,018
−HK$371/mo
Today · 4.125%
HK$14,389
baseline
▲ 0.50% · 4.625%
HK$15,147
+HK$758/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,778/mo (50% DSR)
Upfront cash ≈ HK$299K (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).