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$6,785
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,996
−HK$214/mo
Today · 4.125%
HK$7,210
baseline
▲ 0.50% · 4.625%
HK$7,649
+HK$439/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,420/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$7,548
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,751
−HK$205/mo
Today · 4.125%
HK$7,956
baseline
▲ 0.50% · 4.625%
HK$8,375
+HK$419/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,912/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$8,142
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,395
−HK$257/mo
Today · 4.125%
HK$8,652
baseline
▲ 0.50% · 4.625%
HK$9,179
+HK$527/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,304/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$9,058
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,301
−HK$246/mo
Today · 4.125%
HK$9,547
baseline
▲ 0.50% · 4.625%
HK$10,050
+HK$503/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,094/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$9,499
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,794
−HK$300/mo
Today · 4.125%
HK$10,094
baseline
▲ 0.50% · 4.625%
HK$10,709
+HK$615/mo
Deposit HK$893K · loan HK$2.08M · min. income ≈ HK$20,188/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$10,567
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,851
−HK$287/mo
Today · 4.125%
HK$11,138
baseline
▲ 0.50% · 4.625%
HK$11,725
+HK$587/mo
Deposit HK$893K · loan HK$2.08M · min. income ≈ HK$22,276/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$12,213
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,593
−HK$386/mo
Today · 4.125%
HK$12,979
baseline
▲ 0.50% · 4.625%
HK$13,768
+HK$789/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$25,958/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$13,587
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,951
−HK$370/mo
Today · 4.125%
HK$14,321
baseline
▲ 0.50% · 4.625%
HK$15,075
+HK$754/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$28,642/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).