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$6,787
−HK$426/mo
▼ 0.25% · 3.875%
HK$6,998
−HK$215/mo
Today · 4.125%
HK$7,213
baseline
▲ 0.50% · 4.625%
HK$7,652
+HK$439/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,426/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$7,551
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,753
−HK$206/mo
Today · 4.125%
HK$7,959
baseline
▲ 0.50% · 4.625%
HK$8,378
+HK$419/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,918/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$8,145
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,398
−HK$257/mo
Today · 4.125%
HK$8,655
baseline
▲ 0.50% · 4.625%
HK$9,182
+HK$527/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,310/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$9,061
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,304
−HK$246/mo
Today · 4.125%
HK$9,550
baseline
▲ 0.50% · 4.625%
HK$10,054
+HK$504/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,100/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$9,502
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,798
−HK$300/mo
Today · 4.125%
HK$10,098
baseline
▲ 0.50% · 4.625%
HK$10,712
+HK$614/mo
Deposit HK$893K · loan HK$2.08M · min. income ≈ HK$20,196/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$10,571
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,854
−HK$288/mo
Today · 4.125%
HK$11,142
baseline
▲ 0.50% · 4.625%
HK$11,729
+HK$587/mo
Deposit HK$893K · loan HK$2.08M · min. income ≈ HK$22,284/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$12,217
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,597
−HK$386/mo
Today · 4.125%
HK$12,983
baseline
▲ 0.50% · 4.625%
HK$13,773
+HK$790/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$25,966/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$13,591
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,956
−HK$369/mo
Today · 4.125%
HK$14,325
baseline
▲ 0.50% · 4.625%
HK$15,080
+HK$755/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$28,650/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).