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$6,788
−HK$426/mo
▼ 0.25% · 3.875%
HK$6,999
−HK$215/mo
Today · 4.125%
HK$7,214
baseline
▲ 0.50% · 4.625%
HK$7,653
+HK$439/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,428/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$7,552
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,754
−HK$206/mo
Today · 4.125%
HK$7,960
baseline
▲ 0.50% · 4.625%
HK$8,379
+HK$419/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,920/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$8,146
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,399
−HK$257/mo
Today · 4.125%
HK$8,656
baseline
▲ 0.50% · 4.625%
HK$9,183
+HK$527/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,312/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$9,062
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,305
−HK$246/mo
Today · 4.125%
HK$9,551
baseline
▲ 0.50% · 4.625%
HK$10,055
+HK$504/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,102/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$9,503
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,799
−HK$300/mo
Today · 4.125%
HK$10,099
baseline
▲ 0.50% · 4.625%
HK$10,714
+HK$615/mo
Deposit HK$893K · loan HK$2.08M · min. income ≈ HK$20,198/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,572
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,856
−HK$287/mo
Today · 4.125%
HK$11,143
baseline
▲ 0.50% · 4.625%
HK$11,731
+HK$588/mo
Deposit HK$893K · loan HK$2.08M · min. income ≈ HK$22,286/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,218
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,598
−HK$386/mo
Today · 4.125%
HK$12,984
baseline
▲ 0.50% · 4.625%
HK$13,775
+HK$791/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$25,968/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$13,593
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,957
−HK$370/mo
Today · 4.125%
HK$14,327
baseline
▲ 0.50% · 4.625%
HK$15,082
+HK$755/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$28,654/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).