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$6,800
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,011
−HK$215/mo
Today · 4.125%
HK$7,226
baseline
▲ 0.50% · 4.625%
HK$7,666
+HK$440/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$7,565
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,768
−HK$205/mo
Today · 4.125%
HK$7,973
baseline
▲ 0.50% · 4.625%
HK$8,394
+HK$421/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$8,160
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,414
−HK$258/mo
Today · 4.125%
HK$8,672
baseline
▲ 0.50% · 4.625%
HK$9,199
+HK$527/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,344/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$9,078
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,321
−HK$247/mo
Today · 4.125%
HK$9,568
baseline
▲ 0.50% · 4.625%
HK$10,073
+HK$505/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,136/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$9,520
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,816
−HK$301/mo
Today · 4.125%
HK$10,117
baseline
▲ 0.50% · 4.625%
HK$10,732
+HK$615/mo
Deposit HK$895K · loan HK$2.09M · min. income ≈ HK$20,234/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$10,591
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,875
−HK$288/mo
Today · 4.125%
HK$11,163
baseline
▲ 0.50% · 4.625%
HK$11,751
+HK$588/mo
Deposit HK$895K · loan HK$2.09M · min. income ≈ HK$22,326/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$12,240
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,620
−HK$387/mo
Today · 4.125%
HK$13,007
baseline
▲ 0.50% · 4.625%
HK$13,799
+HK$792/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$26,014/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$13,617
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,982
−HK$370/mo
Today · 4.125%
HK$14,352
baseline
▲ 0.50% · 4.625%
HK$15,109
+HK$757/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$28,704/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).