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$6,816
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,028
−HK$216/mo
Today · 4.125%
HK$7,244
baseline
▲ 0.50% · 4.625%
HK$7,685
+HK$441/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,488/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$7,583
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,786
−HK$207/mo
Today · 4.125%
HK$7,993
baseline
▲ 0.50% · 4.625%
HK$8,414
+HK$421/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,986/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$8,180
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,434
−HK$259/mo
Today · 4.125%
HK$8,693
baseline
▲ 0.50% · 4.625%
HK$9,221
+HK$528/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$17,386/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,100
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,344
−HK$247/mo
Today · 4.125%
HK$9,591
baseline
▲ 0.50% · 4.625%
HK$10,097
+HK$506/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$19,182/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,543
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,840
−HK$301/mo
Today · 4.125%
HK$10,141
baseline
▲ 0.50% · 4.625%
HK$10,758
+HK$617/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$20,282/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,616
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,901
−HK$289/mo
Today · 4.125%
HK$11,190
baseline
▲ 0.50% · 4.625%
HK$11,780
+HK$590/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$22,380/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,269
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,651
−HK$388/mo
Today · 4.125%
HK$13,039
baseline
▲ 0.50% · 4.625%
HK$13,832
+HK$793/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,078/mo (50% DSR)
Upfront cash ≈ HK$299K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,650
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,016
−HK$371/mo
Today · 4.125%
HK$14,387
baseline
▲ 0.50% · 4.625%
HK$15,145
+HK$758/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,774/mo (50% DSR)
Upfront cash ≈ HK$299K (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).