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$6,815
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,027
−HK$215/mo
Today · 4.125%
HK$7,242
baseline
▲ 0.50% · 4.625%
HK$7,683
+HK$441/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,484/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$7,581
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,785
−HK$206/mo
Today · 4.125%
HK$7,991
baseline
▲ 0.50% · 4.625%
HK$8,412
+HK$421/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,982/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$8,178
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,432
−HK$259/mo
Today · 4.125%
HK$8,691
baseline
▲ 0.50% · 4.625%
HK$9,219
+HK$528/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$17,382/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$9,098
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,342
−HK$247/mo
Today · 4.125%
HK$9,589
baseline
▲ 0.50% · 4.625%
HK$10,095
+HK$506/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$19,178/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$9,541
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,838
−HK$301/mo
Today · 4.125%
HK$10,139
baseline
▲ 0.50% · 4.625%
HK$10,756
+HK$617/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$20,278/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$10,614
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,899
−HK$288/mo
Today · 4.125%
HK$11,187
baseline
▲ 0.50% · 4.625%
HK$11,777
+HK$590/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$22,374/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$12,267
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,648
−HK$388/mo
Today · 4.125%
HK$13,036
baseline
▲ 0.50% · 4.625%
HK$13,829
+HK$793/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,072/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$13,647
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,013
−HK$371/mo
Today · 4.125%
HK$14,384
baseline
▲ 0.50% · 4.625%
HK$15,142
+HK$758/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,768/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).