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$6,776
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,987
−HK$214/mo
Today · 4.125%
HK$7,201
baseline
▲ 0.50% · 4.625%
HK$7,639
+HK$438/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,402/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$7,539
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,741
−HK$205/mo
Today · 4.125%
HK$7,946
baseline
▲ 0.50% · 4.625%
HK$8,365
+HK$419/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,892/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$8,132
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,384
−HK$257/mo
Today · 4.125%
HK$8,641
baseline
▲ 0.50% · 4.625%
HK$9,167
+HK$526/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,282/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$9,046
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,289
−HK$246/mo
Today · 4.125%
HK$9,535
baseline
▲ 0.50% · 4.625%
HK$10,038
+HK$503/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,070/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$9,487
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,782
−HK$300/mo
Today · 4.125%
HK$10,082
baseline
▲ 0.50% · 4.625%
HK$10,695
+HK$613/mo
Deposit HK$892K · loan HK$2.08M · min. income ≈ HK$20,164/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,554
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,837
−HK$287/mo
Today · 4.125%
HK$11,124
baseline
▲ 0.50% · 4.625%
HK$11,711
+HK$587/mo
Deposit HK$892K · loan HK$2.08M · min. income ≈ HK$22,248/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,197
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,577
−HK$385/mo
Today · 4.125%
HK$12,962
baseline
▲ 0.50% · 4.625%
HK$13,751
+HK$789/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$25,924/mo (50% DSR)
Upfront cash ≈ HK$297K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,569
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,933
−HK$369/mo
Today · 4.125%
HK$14,302
baseline
▲ 0.50% · 4.625%
HK$15,056
+HK$754/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$28,604/mo (50% DSR)
Upfront cash ≈ HK$297K (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).