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$6,779
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,990
−HK$214/mo
Today · 4.125%
HK$7,204
baseline
▲ 0.50% · 4.625%
HK$7,642
+HK$438/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,408/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$7,541
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,743
−HK$206/mo
Today · 4.125%
HK$7,949
baseline
▲ 0.50% · 4.625%
HK$8,368
+HK$419/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,898/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$8,134
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,387
−HK$258/mo
Today · 4.125%
HK$8,645
baseline
▲ 0.50% · 4.625%
HK$9,171
+HK$526/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,290/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$9,049
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,292
−HK$246/mo
Today · 4.125%
HK$9,538
baseline
▲ 0.50% · 4.625%
HK$10,041
+HK$503/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,076/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$9,490
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,785
−HK$300/mo
Today · 4.125%
HK$10,085
baseline
▲ 0.50% · 4.625%
HK$10,699
+HK$614/mo
Deposit HK$892K · loan HK$2.08M · min. income ≈ HK$20,170/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$10,558
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,841
−HK$287/mo
Today · 4.125%
HK$11,128
baseline
▲ 0.50% · 4.625%
HK$11,715
+HK$587/mo
Deposit HK$892K · loan HK$2.08M · min. income ≈ HK$22,256/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$12,202
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,581
−HK$386/mo
Today · 4.125%
HK$12,967
baseline
▲ 0.50% · 4.625%
HK$13,756
+HK$789/mo
Deposit HK$297K · loan HK$2.68M · min. income ≈ HK$25,934/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$13,574
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,938
−HK$370/mo
Today · 4.125%
HK$14,308
baseline
▲ 0.50% · 4.625%
HK$15,062
+HK$754/mo
Deposit HK$297K · loan HK$2.68M · min. income ≈ HK$28,616/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).