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$6,816
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,028
−HK$215/mo
Today · 4.125%
HK$7,243
baseline
▲ 0.50% · 4.625%
HK$7,684
+HK$441/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,486/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$7,583
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,786
−HK$206/mo
Today · 4.125%
HK$7,992
baseline
▲ 0.50% · 4.625%
HK$8,414
+HK$422/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,984/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$8,179
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,434
−HK$258/mo
Today · 4.125%
HK$8,692
baseline
▲ 0.50% · 4.625%
HK$9,221
+HK$529/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$17,384/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$9,099
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,343
−HK$248/mo
Today · 4.125%
HK$9,591
baseline
▲ 0.50% · 4.625%
HK$10,096
+HK$505/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$19,182/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$9,542
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,839
−HK$302/mo
Today · 4.125%
HK$10,141
baseline
▲ 0.50% · 4.625%
HK$10,758
+HK$617/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$20,282/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$10,616
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,900
−HK$289/mo
Today · 4.125%
HK$11,189
baseline
▲ 0.50% · 4.625%
HK$11,779
+HK$590/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$22,378/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$12,269
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,650
−HK$388/mo
Today · 4.125%
HK$13,038
baseline
▲ 0.50% · 4.625%
HK$13,831
+HK$793/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,076/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$13,649
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,015
−HK$371/mo
Today · 4.125%
HK$14,386
baseline
▲ 0.50% · 4.625%
HK$15,145
+HK$759/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,772/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).