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$6,781
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,992
−HK$214/mo
Today · 4.125%
HK$7,206
baseline
▲ 0.50% · 4.625%
HK$7,645
+HK$439/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,412/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$7,544
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,746
−HK$205/mo
Today · 4.125%
HK$7,951
baseline
▲ 0.50% · 4.625%
HK$8,371
+HK$420/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,902/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$8,137
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,390
−HK$258/mo
Today · 4.125%
HK$8,648
baseline
▲ 0.50% · 4.625%
HK$9,174
+HK$526/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,296/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$9,053
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,295
−HK$247/mo
Today · 4.125%
HK$9,542
baseline
▲ 0.50% · 4.625%
HK$10,045
+HK$503/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,084/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$9,493
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,789
−HK$300/mo
Today · 4.125%
HK$10,089
baseline
▲ 0.50% · 4.625%
HK$10,703
+HK$614/mo
Deposit HK$892K · loan HK$2.08M · min. income ≈ HK$20,178/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$10,561
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,845
−HK$287/mo
Today · 4.125%
HK$11,132
baseline
▲ 0.50% · 4.625%
HK$11,719
+HK$587/mo
Deposit HK$892K · loan HK$2.08M · min. income ≈ HK$22,264/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$12,206
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,586
−HK$385/mo
Today · 4.125%
HK$12,971
baseline
▲ 0.50% · 4.625%
HK$13,761
+HK$790/mo
Deposit HK$297K · loan HK$2.68M · min. income ≈ HK$25,942/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$13,579
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,943
−HK$370/mo
Today · 4.125%
HK$14,313
baseline
▲ 0.50% · 4.625%
HK$15,067
+HK$754/mo
Deposit HK$297K · loan HK$2.68M · min. income ≈ HK$28,626/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).