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$6,802
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,014
−HK$215/mo
Today · 4.125%
HK$7,229
baseline
▲ 0.50% · 4.625%
HK$7,669
+HK$440/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,458/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$7,567
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,770
−HK$206/mo
Today · 4.125%
HK$7,976
baseline
▲ 0.50% · 4.625%
HK$8,397
+HK$421/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,952/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$8,163
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,417
−HK$258/mo
Today · 4.125%
HK$8,675
baseline
▲ 0.50% · 4.625%
HK$9,202
+HK$527/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,350/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$9,081
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,324
−HK$247/mo
Today · 4.125%
HK$9,571
baseline
▲ 0.50% · 4.625%
HK$10,076
+HK$505/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,142/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$9,523
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,819
−HK$301/mo
Today · 4.125%
HK$10,120
baseline
▲ 0.50% · 4.625%
HK$10,736
+HK$616/mo
Deposit HK$895K · loan HK$2.09M · min. income ≈ HK$20,240/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,594
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,878
−HK$289/mo
Today · 4.125%
HK$11,167
baseline
▲ 0.50% · 4.625%
HK$11,755
+HK$588/mo
Deposit HK$895K · loan HK$2.09M · min. income ≈ HK$22,334/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,244
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,625
−HK$387/mo
Today · 4.125%
HK$13,012
baseline
▲ 0.50% · 4.625%
HK$13,804
+HK$792/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$26,024/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$13,621
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,987
−HK$370/mo
Today · 4.125%
HK$14,357
baseline
▲ 0.50% · 4.625%
HK$15,114
+HK$757/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$28,714/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).