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$6,807
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,019
−HK$215/mo
Today · 4.125%
HK$7,234
baseline
▲ 0.50% · 4.625%
HK$7,674
+HK$440/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,468/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$7,573
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,776
−HK$206/mo
Today · 4.125%
HK$7,982
baseline
▲ 0.50% · 4.625%
HK$8,403
+HK$421/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,964/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$8,169
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,423
−HK$258/mo
Today · 4.125%
HK$8,681
baseline
▲ 0.50% · 4.625%
HK$9,209
+HK$528/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,362/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$9,087
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,331
−HK$247/mo
Today · 4.125%
HK$9,578
baseline
▲ 0.50% · 4.625%
HK$10,083
+HK$505/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,156/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$9,530
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,826
−HK$302/mo
Today · 4.125%
HK$10,128
baseline
▲ 0.50% · 4.625%
HK$10,744
+HK$616/mo
Deposit HK$896K · loan HK$2.09M · min. income ≈ HK$20,256/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,602
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,886
−HK$289/mo
Today · 4.125%
HK$11,175
baseline
▲ 0.50% · 4.625%
HK$11,764
+HK$589/mo
Deposit HK$896K · loan HK$2.09M · min. income ≈ HK$22,350/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,253
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,634
−HK$387/mo
Today · 4.125%
HK$13,021
baseline
▲ 0.50% · 4.625%
HK$13,813
+HK$792/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,042/mo (50% DSR)
Upfront cash ≈ HK$299K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,631
−HK$737/mo
▼ 0.25% · 3.875%
HK$13,997
−HK$371/mo
Today · 4.125%
HK$14,368
baseline
▲ 0.50% · 4.625%
HK$15,125
+HK$757/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,736/mo (50% DSR)
Upfront cash ≈ HK$299K (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).