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$6,791
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,003
−HK$214/mo
Today · 4.125%
HK$7,217
baseline
▲ 0.50% · 4.625%
HK$7,657
+HK$440/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,434/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$7,555
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,758
−HK$206/mo
Today · 4.125%
HK$7,964
baseline
▲ 0.50% · 4.625%
HK$8,383
+HK$419/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,928/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$8,150
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,403
−HK$258/mo
Today · 4.125%
HK$8,661
baseline
▲ 0.50% · 4.625%
HK$9,188
+HK$527/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,322/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$9,067
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,310
−HK$246/mo
Today · 4.125%
HK$9,556
baseline
▲ 0.50% · 4.625%
HK$10,060
+HK$504/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,112/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$9,508
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,804
−HK$300/mo
Today · 4.125%
HK$10,104
baseline
▲ 0.50% · 4.625%
HK$10,719
+HK$615/mo
Deposit HK$894K · loan HK$2.08M · min. income ≈ HK$20,208/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,578
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,861
−HK$288/mo
Today · 4.125%
HK$11,149
baseline
▲ 0.50% · 4.625%
HK$11,737
+HK$588/mo
Deposit HK$894K · loan HK$2.08M · min. income ≈ HK$22,298/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,225
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,605
−HK$386/mo
Today · 4.125%
HK$12,991
baseline
▲ 0.50% · 4.625%
HK$13,782
+HK$791/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$25,982/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$13,600
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,965
−HK$370/mo
Today · 4.125%
HK$14,335
baseline
▲ 0.50% · 4.625%
HK$15,090
+HK$755/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$28,670/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).