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$6,790
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,001
−HK$215/mo
Today · 4.125%
HK$7,216
baseline
▲ 0.50% · 4.625%
HK$7,655
+HK$439/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,432/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$7,554
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,756
−HK$206/mo
Today · 4.125%
HK$7,962
baseline
▲ 0.50% · 4.625%
HK$8,382
+HK$420/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,924/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$8,148
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,401
−HK$258/mo
Today · 4.125%
HK$8,659
baseline
▲ 0.50% · 4.625%
HK$9,186
+HK$527/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,318/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$9,065
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,308
−HK$246/mo
Today · 4.125%
HK$9,554
baseline
▲ 0.50% · 4.625%
HK$10,058
+HK$504/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,108/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$9,506
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,802
−HK$300/mo
Today · 4.125%
HK$10,102
baseline
▲ 0.50% · 4.625%
HK$10,717
+HK$615/mo
Deposit HK$893K · loan HK$2.08M · min. income ≈ HK$20,204/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,575
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,859
−HK$288/mo
Today · 4.125%
HK$11,147
baseline
▲ 0.50% · 4.625%
HK$11,734
+HK$587/mo
Deposit HK$893K · loan HK$2.08M · min. income ≈ HK$22,294/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,222
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,602
−HK$386/mo
Today · 4.125%
HK$12,988
baseline
▲ 0.50% · 4.625%
HK$13,779
+HK$791/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$25,976/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$13,597
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,961
−HK$370/mo
Today · 4.125%
HK$14,331
baseline
▲ 0.50% · 4.625%
HK$15,087
+HK$756/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$28,662/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).