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$6,793
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,005
−HK$214/mo
Today · 4.125%
HK$7,219
baseline
▲ 0.50% · 4.625%
HK$7,659
+HK$440/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,438/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$7,558
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,760
−HK$206/mo
Today · 4.125%
HK$7,966
baseline
▲ 0.50% · 4.625%
HK$8,386
+HK$420/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,932/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$8,152
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,406
−HK$257/mo
Today · 4.125%
HK$8,663
baseline
▲ 0.50% · 4.625%
HK$9,190
+HK$527/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,326/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$9,069
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,312
−HK$247/mo
Today · 4.125%
HK$9,559
baseline
▲ 0.50% · 4.625%
HK$10,063
+HK$504/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,118/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$9,511
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,807
−HK$300/mo
Today · 4.125%
HK$10,107
baseline
▲ 0.50% · 4.625%
HK$10,722
+HK$615/mo
Deposit HK$894K · loan HK$2.09M · min. income ≈ HK$20,214/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$10,581
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,864
−HK$288/mo
Today · 4.125%
HK$11,152
baseline
▲ 0.50% · 4.625%
HK$11,740
+HK$588/mo
Deposit HK$894K · loan HK$2.09M · min. income ≈ HK$22,304/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$12,228
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,608
−HK$387/mo
Today · 4.125%
HK$12,995
baseline
▲ 0.50% · 4.625%
HK$13,786
+HK$791/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$25,990/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$13,604
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,968
−HK$371/mo
Today · 4.125%
HK$14,339
baseline
▲ 0.50% · 4.625%
HK$15,094
+HK$755/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$28,678/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).