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$6,777
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,988
−HK$214/mo
Today · 4.125%
HK$7,202
baseline
▲ 0.50% · 4.625%
HK$7,641
+HK$439/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,404/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$7,540
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,742
−HK$205/mo
Today · 4.125%
HK$7,947
baseline
▲ 0.50% · 4.625%
HK$8,366
+HK$419/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,894/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$8,133
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,386
−HK$257/mo
Today · 4.125%
HK$8,643
baseline
▲ 0.50% · 4.625%
HK$9,169
+HK$526/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,286/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$9,048
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,290
−HK$247/mo
Today · 4.125%
HK$9,537
baseline
▲ 0.50% · 4.625%
HK$10,039
+HK$502/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,074/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$9,488
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,783
−HK$300/mo
Today · 4.125%
HK$10,083
baseline
▲ 0.50% · 4.625%
HK$10,697
+HK$614/mo
Deposit HK$892K · loan HK$2.08M · min. income ≈ HK$20,166/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$10,556
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,839
−HK$287/mo
Today · 4.125%
HK$11,126
baseline
▲ 0.50% · 4.625%
HK$11,712
+HK$586/mo
Deposit HK$892K · loan HK$2.08M · min. income ≈ HK$22,252/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$12,199
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,579
−HK$385/mo
Today · 4.125%
HK$12,964
baseline
▲ 0.50% · 4.625%
HK$13,753
+HK$789/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$25,928/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$13,572
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,936
−HK$369/mo
Today · 4.125%
HK$14,305
baseline
▲ 0.50% · 4.625%
HK$15,059
+HK$754/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$28,610/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).