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$6,798
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,009
−HK$215/mo
Today · 4.125%
HK$7,224
baseline
▲ 0.50% · 4.625%
HK$7,664
+HK$440/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,448/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$7,562
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,765
−HK$206/mo
Today · 4.125%
HK$7,971
baseline
▲ 0.50% · 4.625%
HK$8,391
+HK$420/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,942/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$8,157
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,411
−HK$258/mo
Today · 4.125%
HK$8,669
baseline
▲ 0.50% · 4.625%
HK$9,196
+HK$527/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,338/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$9,075
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,318
−HK$247/mo
Today · 4.125%
HK$9,565
baseline
▲ 0.50% · 4.625%
HK$10,069
+HK$504/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,130/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$9,517
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,813
−HK$301/mo
Today · 4.125%
HK$10,114
baseline
▲ 0.50% · 4.625%
HK$10,729
+HK$615/mo
Deposit HK$894K · loan HK$2.09M · min. income ≈ HK$20,228/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$10,587
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,871
−HK$288/mo
Today · 4.125%
HK$11,159
baseline
▲ 0.50% · 4.625%
HK$11,748
+HK$589/mo
Deposit HK$894K · loan HK$2.09M · min. income ≈ HK$22,318/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$12,236
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,617
−HK$386/mo
Today · 4.125%
HK$13,003
baseline
▲ 0.50% · 4.625%
HK$13,794
+HK$791/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$26,006/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$13,612
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,977
−HK$371/mo
Today · 4.125%
HK$14,348
baseline
▲ 0.50% · 4.625%
HK$15,104
+HK$756/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$28,696/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).