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$6,792
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,004
−HK$214/mo
Today · 4.125%
HK$7,218
baseline
▲ 0.50% · 4.625%
HK$7,658
+HK$440/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,436/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$7,556
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,759
−HK$206/mo
Today · 4.125%
HK$7,965
baseline
▲ 0.50% · 4.625%
HK$8,385
+HK$420/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,930/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$8,151
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,404
−HK$258/mo
Today · 4.125%
HK$8,662
baseline
▲ 0.50% · 4.625%
HK$9,189
+HK$527/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,324/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$9,068
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,311
−HK$247/mo
Today · 4.125%
HK$9,558
baseline
▲ 0.50% · 4.625%
HK$10,061
+HK$503/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,116/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$9,509
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,805
−HK$301/mo
Today · 4.125%
HK$10,106
baseline
▲ 0.50% · 4.625%
HK$10,721
+HK$615/mo
Deposit HK$894K · loan HK$2.09M · min. income ≈ HK$20,212/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,579
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,863
−HK$288/mo
Today · 4.125%
HK$11,151
baseline
▲ 0.50% · 4.625%
HK$11,738
+HK$587/mo
Deposit HK$894K · loan HK$2.09M · min. income ≈ HK$22,302/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,226
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,607
−HK$386/mo
Today · 4.125%
HK$12,993
baseline
▲ 0.50% · 4.625%
HK$13,784
+HK$791/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$25,986/mo (50% DSR)
Upfront cash ≈ HK$298K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,602
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,966
−HK$370/mo
Today · 4.125%
HK$14,336
baseline
▲ 0.50% · 4.625%
HK$15,092
+HK$756/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$28,672/mo (50% DSR)
Upfront cash ≈ HK$298K (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).