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$6,780
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,991
−HK$214/mo
Today · 4.125%
HK$7,205
baseline
▲ 0.50% · 4.625%
HK$7,643
+HK$438/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,410/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$7,542
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,745
−HK$205/mo
Today · 4.125%
HK$7,950
baseline
▲ 0.50% · 4.625%
HK$8,369
+HK$419/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,900/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$8,136
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,389
−HK$257/mo
Today · 4.125%
HK$8,646
baseline
▲ 0.50% · 4.625%
HK$9,172
+HK$526/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,292/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$9,051
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,294
−HK$246/mo
Today · 4.125%
HK$9,540
baseline
▲ 0.50% · 4.625%
HK$10,043
+HK$503/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,080/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$9,492
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,787
−HK$300/mo
Today · 4.125%
HK$10,087
baseline
▲ 0.50% · 4.625%
HK$10,701
+HK$614/mo
Deposit HK$892K · loan HK$2.08M · min. income ≈ HK$20,174/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,559
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,843
−HK$287/mo
Today · 4.125%
HK$11,130
baseline
▲ 0.50% · 4.625%
HK$11,717
+HK$587/mo
Deposit HK$892K · loan HK$2.08M · min. income ≈ HK$22,260/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,204
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,583
−HK$386/mo
Today · 4.125%
HK$12,969
baseline
▲ 0.50% · 4.625%
HK$13,758
+HK$789/mo
Deposit HK$297K · loan HK$2.68M · min. income ≈ HK$25,938/mo (50% DSR)
Upfront cash ≈ HK$297K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,576
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,941
−HK$369/mo
Today · 4.125%
HK$14,310
baseline
▲ 0.50% · 4.625%
HK$15,064
+HK$754/mo
Deposit HK$297K · loan HK$2.68M · min. income ≈ HK$28,620/mo (50% DSR)
Upfront cash ≈ HK$297K (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).