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$6,784
−HK$426/mo
▼ 0.25% · 3.875%
HK$6,995
−HK$215/mo
Today · 4.125%
HK$7,210
baseline
▲ 0.50% · 4.625%
HK$7,648
+HK$438/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,420/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$7,548
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,750
−HK$205/mo
Today · 4.125%
HK$7,955
baseline
▲ 0.50% · 4.625%
HK$8,375
+HK$420/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,910/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$8,141
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,394
−HK$258/mo
Today · 4.125%
HK$8,652
baseline
▲ 0.50% · 4.625%
HK$9,178
+HK$526/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,304/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$9,057
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,300
−HK$246/mo
Today · 4.125%
HK$9,546
baseline
▲ 0.50% · 4.625%
HK$10,050
+HK$504/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,092/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$9,498
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,794
−HK$300/mo
Today · 4.125%
HK$10,094
baseline
▲ 0.50% · 4.625%
HK$10,708
+HK$614/mo
Deposit HK$893K · loan HK$2.08M · min. income ≈ HK$20,188/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,567
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,850
−HK$287/mo
Today · 4.125%
HK$11,137
baseline
▲ 0.50% · 4.625%
HK$11,724
+HK$587/mo
Deposit HK$893K · loan HK$2.08M · min. income ≈ HK$22,274/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,212
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,592
−HK$386/mo
Today · 4.125%
HK$12,978
baseline
▲ 0.50% · 4.625%
HK$13,767
+HK$789/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$25,956/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$13,586
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,950
−HK$370/mo
Today · 4.125%
HK$14,320
baseline
▲ 0.50% · 4.625%
HK$15,074
+HK$754/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$28,640/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).