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$6,773
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,984
−HK$214/mo
Today · 4.125%
HK$7,198
baseline
▲ 0.50% · 4.625%
HK$7,636
+HK$438/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,396/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$7,535
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,737
−HK$205/mo
Today · 4.125%
HK$7,942
baseline
▲ 0.50% · 4.625%
HK$8,361
+HK$419/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,884/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$8,127
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,380
−HK$257/mo
Today · 4.125%
HK$8,637
baseline
▲ 0.50% · 4.625%
HK$9,163
+HK$526/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,274/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$9,042
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,284
−HK$246/mo
Today · 4.125%
HK$9,530
baseline
▲ 0.50% · 4.625%
HK$10,033
+HK$503/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,060/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$9,482
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,777
−HK$300/mo
Today · 4.125%
HK$10,077
baseline
▲ 0.50% · 4.625%
HK$10,690
+HK$613/mo
Deposit HK$891K · loan HK$2.08M · min. income ≈ HK$20,154/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,549
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,832
−HK$287/mo
Today · 4.125%
HK$11,119
baseline
▲ 0.50% · 4.625%
HK$11,705
+HK$586/mo
Deposit HK$891K · loan HK$2.08M · min. income ≈ HK$22,238/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,191
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,570
−HK$386/mo
Today · 4.125%
HK$12,956
baseline
▲ 0.50% · 4.625%
HK$13,744
+HK$788/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$25,912/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$13,563
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,926
−HK$369/mo
Today · 4.125%
HK$14,295
baseline
▲ 0.50% · 4.625%
HK$15,049
+HK$754/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$28,590/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).