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$6,778
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,989
−HK$214/mo
Today · 4.125%
HK$7,203
baseline
▲ 0.50% · 4.625%
HK$7,641
+HK$438/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,406/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$7,540
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,743
−HK$205/mo
Today · 4.125%
HK$7,948
baseline
▲ 0.50% · 4.625%
HK$8,367
+HK$419/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,896/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$8,133
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,386
−HK$257/mo
Today · 4.125%
HK$8,643
baseline
▲ 0.50% · 4.625%
HK$9,169
+HK$526/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,286/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$9,048
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,291
−HK$246/mo
Today · 4.125%
HK$9,537
baseline
▲ 0.50% · 4.625%
HK$10,040
+HK$503/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,074/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$9,489
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,784
−HK$300/mo
Today · 4.125%
HK$10,084
baseline
▲ 0.50% · 4.625%
HK$10,698
+HK$614/mo
Deposit HK$892K · loan HK$2.08M · min. income ≈ HK$20,168/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$10,556
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,840
−HK$287/mo
Today · 4.125%
HK$11,127
baseline
▲ 0.50% · 4.625%
HK$11,713
+HK$586/mo
Deposit HK$892K · loan HK$2.08M · min. income ≈ HK$22,254/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$12,200
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,580
−HK$385/mo
Today · 4.125%
HK$12,965
baseline
▲ 0.50% · 4.625%
HK$13,754
+HK$789/mo
Deposit HK$297K · loan HK$2.68M · min. income ≈ HK$25,930/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$13,573
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,937
−HK$369/mo
Today · 4.125%
HK$14,306
baseline
▲ 0.50% · 4.625%
HK$15,060
+HK$754/mo
Deposit HK$297K · loan HK$2.68M · min. income ≈ HK$28,612/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).