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$6,786
−HK$426/mo
▼ 0.25% · 3.875%
HK$6,997
−HK$215/mo
Today · 4.125%
HK$7,212
baseline
▲ 0.50% · 4.625%
HK$7,651
+HK$439/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,424/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$7,550
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,752
−HK$205/mo
Today · 4.125%
HK$7,957
baseline
▲ 0.50% · 4.625%
HK$8,377
+HK$420/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,914/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$8,143
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,397
−HK$257/mo
Today · 4.125%
HK$8,654
baseline
▲ 0.50% · 4.625%
HK$9,181
+HK$527/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,308/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$9,060
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,302
−HK$247/mo
Today · 4.125%
HK$9,549
baseline
▲ 0.50% · 4.625%
HK$10,052
+HK$503/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,098/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$9,501
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,796
−HK$300/mo
Today · 4.125%
HK$10,096
baseline
▲ 0.50% · 4.625%
HK$10,711
+HK$615/mo
Deposit HK$893K · loan HK$2.08M · min. income ≈ HK$20,192/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,569
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,853
−HK$287/mo
Today · 4.125%
HK$11,140
baseline
▲ 0.50% · 4.625%
HK$11,728
+HK$588/mo
Deposit HK$893K · loan HK$2.08M · min. income ≈ HK$22,280/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,215
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,595
−HK$386/mo
Today · 4.125%
HK$12,981
baseline
▲ 0.50% · 4.625%
HK$13,771
+HK$790/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$25,962/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$13,589
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,954
−HK$369/mo
Today · 4.125%
HK$14,323
baseline
▲ 0.50% · 4.625%
HK$15,078
+HK$755/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$28,646/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).