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$6,799
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,011
−HK$215/mo
Today · 4.125%
HK$7,226
baseline
▲ 0.50% · 4.625%
HK$7,665
+HK$439/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,452/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$7,564
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,767
−HK$206/mo
Today · 4.125%
HK$7,973
baseline
▲ 0.50% · 4.625%
HK$8,393
+HK$420/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,946/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$8,159
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,413
−HK$258/mo
Today · 4.125%
HK$8,671
baseline
▲ 0.50% · 4.625%
HK$9,198
+HK$527/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,342/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$9,077
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,320
−HK$247/mo
Today · 4.125%
HK$9,567
baseline
▲ 0.50% · 4.625%
HK$10,072
+HK$505/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,134/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$9,519
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,815
−HK$301/mo
Today · 4.125%
HK$10,116
baseline
▲ 0.50% · 4.625%
HK$10,731
+HK$615/mo
Deposit HK$895K · loan HK$2.09M · min. income ≈ HK$20,232/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,590
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,874
−HK$288/mo
Today · 4.125%
HK$11,162
baseline
▲ 0.50% · 4.625%
HK$11,750
+HK$588/mo
Deposit HK$895K · loan HK$2.09M · min. income ≈ HK$22,324/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,239
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,619
−HK$387/mo
Today · 4.125%
HK$13,006
baseline
▲ 0.50% · 4.625%
HK$13,797
+HK$791/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$26,012/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$13,615
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,981
−HK$370/mo
Today · 4.125%
HK$14,351
baseline
▲ 0.50% · 4.625%
HK$15,107
+HK$756/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$28,702/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).