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$6,799
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,010
−HK$215/mo
Today · 4.125%
HK$7,225
baseline
▲ 0.50% · 4.625%
HK$7,665
+HK$440/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,450/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$7,564
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,767
−HK$205/mo
Today · 4.125%
HK$7,972
baseline
▲ 0.50% · 4.625%
HK$8,393
+HK$421/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,944/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$8,159
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,413
−HK$257/mo
Today · 4.125%
HK$8,670
baseline
▲ 0.50% · 4.625%
HK$9,198
+HK$528/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,340/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$9,077
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,320
−HK$247/mo
Today · 4.125%
HK$9,567
baseline
▲ 0.50% · 4.625%
HK$10,071
+HK$504/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,134/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$9,519
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,815
−HK$300/mo
Today · 4.125%
HK$10,115
baseline
▲ 0.50% · 4.625%
HK$10,731
+HK$616/mo
Deposit HK$894K · loan HK$2.09M · min. income ≈ HK$20,230/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,589
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,873
−HK$288/mo
Today · 4.125%
HK$11,161
baseline
▲ 0.50% · 4.625%
HK$11,750
+HK$589/mo
Deposit HK$894K · loan HK$2.09M · min. income ≈ HK$22,322/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,238
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,619
−HK$387/mo
Today · 4.125%
HK$13,006
baseline
▲ 0.50% · 4.625%
HK$13,797
+HK$791/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$26,012/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$13,615
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,980
−HK$370/mo
Today · 4.125%
HK$14,350
baseline
▲ 0.50% · 4.625%
HK$15,107
+HK$757/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$28,700/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).