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$6,808
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,020
−HK$215/mo
Today · 4.125%
HK$7,235
baseline
▲ 0.50% · 4.625%
HK$7,675
+HK$440/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,470/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$7,574
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,777
−HK$206/mo
Today · 4.125%
HK$7,983
baseline
▲ 0.50% · 4.625%
HK$8,404
+HK$421/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,966/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$8,170
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,424
−HK$258/mo
Today · 4.125%
HK$8,682
baseline
▲ 0.50% · 4.625%
HK$9,210
+HK$528/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,364/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$9,089
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,333
−HK$247/mo
Today · 4.125%
HK$9,580
baseline
▲ 0.50% · 4.625%
HK$10,085
+HK$505/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,160/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$9,531
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,828
−HK$301/mo
Today · 4.125%
HK$10,129
baseline
▲ 0.50% · 4.625%
HK$10,746
+HK$617/mo
Deposit HK$896K · loan HK$2.09M · min. income ≈ HK$20,258/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,604
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,888
−HK$289/mo
Today · 4.125%
HK$11,177
baseline
▲ 0.50% · 4.625%
HK$11,766
+HK$589/mo
Deposit HK$896K · loan HK$2.09M · min. income ≈ HK$22,354/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,255
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,636
−HK$387/mo
Today · 4.125%
HK$13,023
baseline
▲ 0.50% · 4.625%
HK$13,816
+HK$793/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,046/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$13,633
−HK$737/mo
▼ 0.25% · 3.875%
HK$13,999
−HK$371/mo
Today · 4.125%
HK$14,370
baseline
▲ 0.50% · 4.625%
HK$15,127
+HK$757/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,740/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).