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$6,818
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,030
−HK$215/mo
Today · 4.125%
HK$7,245
baseline
▲ 0.50% · 4.625%
HK$7,686
+HK$441/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,490/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,585
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,788
−HK$207/mo
Today · 4.125%
HK$7,995
baseline
▲ 0.50% · 4.625%
HK$8,416
+HK$421/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,990/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,182
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,436
−HK$259/mo
Today · 4.125%
HK$8,695
baseline
▲ 0.50% · 4.625%
HK$9,224
+HK$529/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$17,390/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,102
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,346
−HK$248/mo
Today · 4.125%
HK$9,594
baseline
▲ 0.50% · 4.625%
HK$10,099
+HK$505/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$19,188/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,545
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,842
−HK$302/mo
Today · 4.125%
HK$10,144
baseline
▲ 0.50% · 4.625%
HK$10,761
+HK$617/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$20,288/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,619
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,904
−HK$289/mo
Today · 4.125%
HK$11,193
baseline
▲ 0.50% · 4.625%
HK$11,782
+HK$589/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$22,386/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,272
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,654
−HK$388/mo
Today · 4.125%
HK$13,042
baseline
▲ 0.50% · 4.625%
HK$13,835
+HK$793/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,084/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$13,653
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,019
−HK$371/mo
Today · 4.125%
HK$14,390
baseline
▲ 0.50% · 4.625%
HK$15,149
+HK$759/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,780/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).