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$6,792
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,003
−HK$215/mo
Today · 4.125%
HK$7,218
baseline
▲ 0.50% · 4.625%
HK$7,657
+HK$439/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,436/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$7,556
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,759
−HK$205/mo
Today · 4.125%
HK$7,964
baseline
▲ 0.50% · 4.625%
HK$8,384
+HK$420/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,928/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$8,150
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,404
−HK$257/mo
Today · 4.125%
HK$8,661
baseline
▲ 0.50% · 4.625%
HK$9,188
+HK$527/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,322/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$9,067
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,310
−HK$247/mo
Today · 4.125%
HK$9,557
baseline
▲ 0.50% · 4.625%
HK$10,061
+HK$504/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,114/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$9,509
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,804
−HK$301/mo
Today · 4.125%
HK$10,105
baseline
▲ 0.50% · 4.625%
HK$10,720
+HK$615/mo
Deposit HK$894K · loan HK$2.08M · min. income ≈ HK$20,210/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,578
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,862
−HK$288/mo
Today · 4.125%
HK$11,150
baseline
▲ 0.50% · 4.625%
HK$11,738
+HK$588/mo
Deposit HK$894K · loan HK$2.08M · min. income ≈ HK$22,300/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,225
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,606
−HK$386/mo
Today · 4.125%
HK$12,992
baseline
▲ 0.50% · 4.625%
HK$13,783
+HK$791/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$25,984/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$13,601
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,965
−HK$370/mo
Today · 4.125%
HK$14,335
baseline
▲ 0.50% · 4.625%
HK$15,091
+HK$756/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$28,670/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).