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$6,805
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,017
−HK$215/mo
Today · 4.125%
HK$7,232
baseline
▲ 0.50% · 4.625%
HK$7,672
+HK$440/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,464/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$7,571
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,774
−HK$206/mo
Today · 4.125%
HK$7,980
baseline
▲ 0.50% · 4.625%
HK$8,401
+HK$421/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,960/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$8,167
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,421
−HK$258/mo
Today · 4.125%
HK$8,679
baseline
▲ 0.50% · 4.625%
HK$9,207
+HK$528/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,358/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$9,085
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,329
−HK$247/mo
Today · 4.125%
HK$9,576
baseline
▲ 0.50% · 4.625%
HK$10,081
+HK$505/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,152/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$9,528
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,824
−HK$301/mo
Today · 4.125%
HK$10,125
baseline
▲ 0.50% · 4.625%
HK$10,741
+HK$616/mo
Deposit HK$895K · loan HK$2.09M · min. income ≈ HK$20,250/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,599
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,884
−HK$288/mo
Today · 4.125%
HK$11,172
baseline
▲ 0.50% · 4.625%
HK$11,761
+HK$589/mo
Deposit HK$895K · loan HK$2.09M · min. income ≈ HK$22,344/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,250
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,631
−HK$387/mo
Today · 4.125%
HK$13,018
baseline
▲ 0.50% · 4.625%
HK$13,810
+HK$792/mo
Deposit HK$298K · loan HK$2.69M · min. income ≈ HK$26,036/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$13,628
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,993
−HK$371/mo
Today · 4.125%
HK$14,364
baseline
▲ 0.50% · 4.625%
HK$15,121
+HK$757/mo
Deposit HK$298K · loan HK$2.69M · min. income ≈ HK$28,728/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).