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$6,814
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,026
−HK$216/mo
Today · 4.125%
HK$7,242
baseline
▲ 0.50% · 4.625%
HK$7,682
+HK$440/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,484/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$7,581
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,784
−HK$206/mo
Today · 4.125%
HK$7,990
baseline
▲ 0.50% · 4.625%
HK$8,412
+HK$422/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,980/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$8,177
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,431
−HK$259/mo
Today · 4.125%
HK$8,690
baseline
▲ 0.50% · 4.625%
HK$9,219
+HK$529/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$17,380/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$9,097
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,341
−HK$247/mo
Today · 4.125%
HK$9,588
baseline
▲ 0.50% · 4.625%
HK$10,094
+HK$506/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$19,176/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$9,540
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,837
−HK$301/mo
Today · 4.125%
HK$10,138
baseline
▲ 0.50% · 4.625%
HK$10,755
+HK$617/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$20,276/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,613
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,898
−HK$289/mo
Today · 4.125%
HK$11,187
baseline
▲ 0.50% · 4.625%
HK$11,776
+HK$589/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$22,374/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,266
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,647
−HK$388/mo
Today · 4.125%
HK$13,035
baseline
▲ 0.50% · 4.625%
HK$13,828
+HK$793/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,070/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$13,645
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,011
−HK$372/mo
Today · 4.125%
HK$14,383
baseline
▲ 0.50% · 4.625%
HK$15,141
+HK$758/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,766/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).