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$6,789
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,000
−HK$215/mo
Today · 4.125%
HK$7,215
baseline
▲ 0.50% · 4.625%
HK$7,654
+HK$439/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,430/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$7,553
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,755
−HK$206/mo
Today · 4.125%
HK$7,961
baseline
▲ 0.50% · 4.625%
HK$8,380
+HK$419/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,922/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$8,147
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,400
−HK$258/mo
Today · 4.125%
HK$8,658
baseline
▲ 0.50% · 4.625%
HK$9,185
+HK$527/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,316/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$9,063
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,306
−HK$247/mo
Today · 4.125%
HK$9,553
baseline
▲ 0.50% · 4.625%
HK$10,056
+HK$503/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,106/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$9,505
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,800
−HK$301/mo
Today · 4.125%
HK$10,101
baseline
▲ 0.50% · 4.625%
HK$10,715
+HK$614/mo
Deposit HK$893K · loan HK$2.08M · min. income ≈ HK$20,202/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$10,574
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,857
−HK$288/mo
Today · 4.125%
HK$11,145
baseline
▲ 0.50% · 4.625%
HK$11,733
+HK$588/mo
Deposit HK$893K · loan HK$2.08M · min. income ≈ HK$22,290/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$12,220
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,600
−HK$387/mo
Today · 4.125%
HK$12,987
baseline
▲ 0.50% · 4.625%
HK$13,777
+HK$790/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$25,974/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$13,595
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,960
−HK$369/mo
Today · 4.125%
HK$14,329
baseline
▲ 0.50% · 4.625%
HK$15,085
+HK$756/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$28,658/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).