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$6,781
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,992
−HK$214/mo
Today · 4.125%
HK$7,206
baseline
▲ 0.50% · 4.625%
HK$7,644
+HK$438/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,412/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$7,544
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,746
−HK$205/mo
Today · 4.125%
HK$7,951
baseline
▲ 0.50% · 4.625%
HK$8,370
+HK$419/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,902/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$8,137
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,390
−HK$257/mo
Today · 4.125%
HK$8,647
baseline
▲ 0.50% · 4.625%
HK$9,173
+HK$526/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,294/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$9,052
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,295
−HK$246/mo
Today · 4.125%
HK$9,541
baseline
▲ 0.50% · 4.625%
HK$10,044
+HK$503/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,082/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$9,493
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,788
−HK$300/mo
Today · 4.125%
HK$10,088
baseline
▲ 0.50% · 4.625%
HK$10,702
+HK$614/mo
Deposit HK$892K · loan HK$2.08M · min. income ≈ HK$20,176/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$10,561
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,844
−HK$287/mo
Today · 4.125%
HK$11,131
baseline
▲ 0.50% · 4.625%
HK$11,718
+HK$587/mo
Deposit HK$892K · loan HK$2.08M · min. income ≈ HK$22,262/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$12,205
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,585
−HK$386/mo
Today · 4.125%
HK$12,971
baseline
▲ 0.50% · 4.625%
HK$13,760
+HK$789/mo
Deposit HK$297K · loan HK$2.68M · min. income ≈ HK$25,942/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$13,578
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,942
−HK$370/mo
Today · 4.125%
HK$14,312
baseline
▲ 0.50% · 4.625%
HK$15,066
+HK$754/mo
Deposit HK$297K · loan HK$2.68M · min. income ≈ HK$28,624/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).