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$6,809
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,021
−HK$215/mo
Today · 4.125%
HK$7,236
baseline
▲ 0.50% · 4.625%
HK$7,677
+HK$441/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,472/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$7,575
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,779
−HK$206/mo
Today · 4.125%
HK$7,985
baseline
▲ 0.50% · 4.625%
HK$8,406
+HK$421/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,970/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$8,171
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,425
−HK$259/mo
Today · 4.125%
HK$8,684
baseline
▲ 0.50% · 4.625%
HK$9,212
+HK$528/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,368/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$9,090
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,334
−HK$248/mo
Today · 4.125%
HK$9,582
baseline
▲ 0.50% · 4.625%
HK$10,087
+HK$505/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,164/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$9,533
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,830
−HK$301/mo
Today · 4.125%
HK$10,131
baseline
▲ 0.50% · 4.625%
HK$10,747
+HK$616/mo
Deposit HK$896K · loan HK$2.09M · min. income ≈ HK$20,262/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$10,606
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,890
−HK$288/mo
Today · 4.125%
HK$11,178
baseline
▲ 0.50% · 4.625%
HK$11,768
+HK$590/mo
Deposit HK$896K · loan HK$2.09M · min. income ≈ HK$22,356/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$12,257
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,638
−HK$387/mo
Today · 4.125%
HK$13,025
baseline
▲ 0.50% · 4.625%
HK$13,818
+HK$793/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,050/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$13,636
−HK$736/mo
▼ 0.25% · 3.875%
HK$14,001
−HK$371/mo
Today · 4.125%
HK$14,372
baseline
▲ 0.50% · 4.625%
HK$15,130
+HK$758/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,744/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).