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$6,809
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,021
−HK$215/mo
Today · 4.125%
HK$7,236
baseline
▲ 0.50% · 4.625%
HK$7,676
+HK$440/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,472/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$7,575
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,778
−HK$206/mo
Today · 4.125%
HK$7,984
baseline
▲ 0.50% · 4.625%
HK$8,405
+HK$421/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,968/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$8,171
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,425
−HK$258/mo
Today · 4.125%
HK$8,683
baseline
▲ 0.50% · 4.625%
HK$9,212
+HK$529/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,366/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$9,090
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,334
−HK$247/mo
Today · 4.125%
HK$9,581
baseline
▲ 0.50% · 4.625%
HK$10,086
+HK$505/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,162/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$9,533
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,829
−HK$301/mo
Today · 4.125%
HK$10,130
baseline
▲ 0.50% · 4.625%
HK$10,747
+HK$617/mo
Deposit HK$896K · loan HK$2.09M · min. income ≈ HK$20,260/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$10,605
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,889
−HK$289/mo
Today · 4.125%
HK$11,178
baseline
▲ 0.50% · 4.625%
HK$11,767
+HK$589/mo
Deposit HK$896K · loan HK$2.09M · min. income ≈ HK$22,356/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$12,256
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,637
−HK$388/mo
Today · 4.125%
HK$13,025
baseline
▲ 0.50% · 4.625%
HK$13,817
+HK$792/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,050/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$13,635
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,001
−HK$371/mo
Today · 4.125%
HK$14,372
baseline
▲ 0.50% · 4.625%
HK$15,129
+HK$757/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,744/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).