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$6,816
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,028
−HK$216/mo
Today · 4.125%
HK$7,244
baseline
▲ 0.50% · 4.625%
HK$7,684
+HK$440/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,488/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$7,583
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,786
−HK$207/mo
Today · 4.125%
HK$7,993
baseline
▲ 0.50% · 4.625%
HK$8,414
+HK$421/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,986/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$8,179
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,434
−HK$258/mo
Today · 4.125%
HK$8,692
baseline
▲ 0.50% · 4.625%
HK$9,221
+HK$529/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$17,384/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$9,099
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,343
−HK$248/mo
Today · 4.125%
HK$9,591
baseline
▲ 0.50% · 4.625%
HK$10,097
+HK$506/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$19,182/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$9,543
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,839
−HK$302/mo
Today · 4.125%
HK$10,141
baseline
▲ 0.50% · 4.625%
HK$10,758
+HK$617/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$20,282/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$10,616
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,901
−HK$289/mo
Today · 4.125%
HK$11,190
baseline
▲ 0.50% · 4.625%
HK$11,779
+HK$589/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$22,380/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$12,269
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,651
−HK$387/mo
Today · 4.125%
HK$13,038
baseline
▲ 0.50% · 4.625%
HK$13,832
+HK$794/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,076/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$13,649
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,015
−HK$372/mo
Today · 4.125%
HK$14,387
baseline
▲ 0.50% · 4.625%
HK$15,145
+HK$758/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,774/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).