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$6,813
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,025
−HK$215/mo
Today · 4.125%
HK$7,240
baseline
▲ 0.50% · 4.625%
HK$7,680
+HK$440/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,480/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$7,579
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,782
−HK$206/mo
Today · 4.125%
HK$7,988
baseline
▲ 0.50% · 4.625%
HK$8,410
+HK$422/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,976/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$8,175
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,429
−HK$259/mo
Today · 4.125%
HK$8,688
baseline
▲ 0.50% · 4.625%
HK$9,216
+HK$528/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$17,376/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$9,095
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,339
−HK$247/mo
Today · 4.125%
HK$9,586
baseline
▲ 0.50% · 4.625%
HK$10,091
+HK$505/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$19,172/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$9,538
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,834
−HK$302/mo
Today · 4.125%
HK$10,136
baseline
▲ 0.50% · 4.625%
HK$10,753
+HK$617/mo
Deposit HK$896K · loan HK$2.09M · min. income ≈ HK$20,272/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,611
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,895
−HK$289/mo
Today · 4.125%
HK$11,184
baseline
▲ 0.50% · 4.625%
HK$11,773
+HK$589/mo
Deposit HK$896K · loan HK$2.09M · min. income ≈ HK$22,368/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,263
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,644
−HK$388/mo
Today · 4.125%
HK$13,032
baseline
▲ 0.50% · 4.625%
HK$13,825
+HK$793/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,064/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$13,642
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,008
−HK$371/mo
Today · 4.125%
HK$14,379
baseline
▲ 0.50% · 4.625%
HK$15,137
+HK$758/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,758/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).