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$6,796
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,008
−HK$214/mo
Today · 4.125%
HK$7,222
baseline
▲ 0.50% · 4.625%
HK$7,662
+HK$440/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,444/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$7,561
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,763
−HK$206/mo
Today · 4.125%
HK$7,969
baseline
▲ 0.50% · 4.625%
HK$8,389
+HK$420/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,938/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$8,155
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,409
−HK$258/mo
Today · 4.125%
HK$8,667
baseline
▲ 0.50% · 4.625%
HK$9,194
+HK$527/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,334/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$9,073
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,316
−HK$247/mo
Today · 4.125%
HK$9,563
baseline
▲ 0.50% · 4.625%
HK$10,067
+HK$504/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,126/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$9,515
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,811
−HK$300/mo
Today · 4.125%
HK$10,111
baseline
▲ 0.50% · 4.625%
HK$10,727
+HK$616/mo
Deposit HK$894K · loan HK$2.09M · min. income ≈ HK$20,222/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$10,585
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,869
−HK$288/mo
Today · 4.125%
HK$11,157
baseline
▲ 0.50% · 4.625%
HK$11,745
+HK$588/mo
Deposit HK$894K · loan HK$2.09M · min. income ≈ HK$22,314/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$12,233
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,614
−HK$386/mo
Today · 4.125%
HK$13,000
baseline
▲ 0.50% · 4.625%
HK$13,791
+HK$791/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$26,000/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$13,609
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,974
−HK$370/mo
Today · 4.125%
HK$14,344
baseline
▲ 0.50% · 4.625%
HK$15,101
+HK$757/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$28,688/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).