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$6,791
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,002
−HK$215/mo
Today · 4.125%
HK$7,217
baseline
▲ 0.50% · 4.625%
HK$7,656
+HK$439/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,434/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$7,555
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,758
−HK$205/mo
Today · 4.125%
HK$7,963
baseline
▲ 0.50% · 4.625%
HK$8,383
+HK$420/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,926/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$8,150
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,403
−HK$258/mo
Today · 4.125%
HK$8,661
baseline
▲ 0.50% · 4.625%
HK$9,188
+HK$527/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,322/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$9,066
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,309
−HK$247/mo
Today · 4.125%
HK$9,556
baseline
▲ 0.50% · 4.625%
HK$10,060
+HK$504/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,112/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$9,508
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,803
−HK$301/mo
Today · 4.125%
HK$10,104
baseline
▲ 0.50% · 4.625%
HK$10,719
+HK$615/mo
Deposit HK$893K · loan HK$2.08M · min. income ≈ HK$20,208/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,577
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,861
−HK$288/mo
Today · 4.125%
HK$11,149
baseline
▲ 0.50% · 4.625%
HK$11,736
+HK$587/mo
Deposit HK$893K · loan HK$2.08M · min. income ≈ HK$22,298/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,224
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,604
−HK$387/mo
Today · 4.125%
HK$12,991
baseline
▲ 0.50% · 4.625%
HK$13,781
+HK$790/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$25,982/mo (50% DSR)
Upfront cash ≈ HK$298K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,599
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,964
−HK$370/mo
Today · 4.125%
HK$14,334
baseline
▲ 0.50% · 4.625%
HK$15,090
+HK$756/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$28,668/mo (50% DSR)
Upfront cash ≈ HK$298K (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).