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$6,813
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,025
−HK$215/mo
Today · 4.125%
HK$7,240
baseline
▲ 0.50% · 4.625%
HK$7,681
+HK$441/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,480/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$7,580
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,783
−HK$206/mo
Today · 4.125%
HK$7,989
baseline
▲ 0.50% · 4.625%
HK$8,410
+HK$421/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,978/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$8,176
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,430
−HK$258/mo
Today · 4.125%
HK$8,688
baseline
▲ 0.50% · 4.625%
HK$9,217
+HK$529/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$17,376/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,095
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,339
−HK$248/mo
Today · 4.125%
HK$9,587
baseline
▲ 0.50% · 4.625%
HK$10,092
+HK$505/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$19,174/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,538
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,835
−HK$301/mo
Today · 4.125%
HK$10,136
baseline
▲ 0.50% · 4.625%
HK$10,753
+HK$617/mo
Deposit HK$896K · loan HK$2.09M · min. income ≈ HK$20,272/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$10,611
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,896
−HK$289/mo
Today · 4.125%
HK$11,185
baseline
▲ 0.50% · 4.625%
HK$11,774
+HK$589/mo
Deposit HK$896K · loan HK$2.09M · min. income ≈ HK$22,370/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$12,264
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,645
−HK$388/mo
Today · 4.125%
HK$13,033
baseline
▲ 0.50% · 4.625%
HK$13,826
+HK$793/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,066/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$13,643
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,009
−HK$371/mo
Today · 4.125%
HK$14,380
baseline
▲ 0.50% · 4.625%
HK$15,138
+HK$758/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,760/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).