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$425/mo
▼ 0.25% · 3.875%
HK$6,995
−HK$214/mo
Today · 4.125%
HK$7,209
baseline
▲ 0.50% · 4.625%
HK$7,648
+HK$439/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,418/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$7,547
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,749
−HK$206/mo
Today · 4.125%
HK$7,955
baseline
▲ 0.50% · 4.625%
HK$8,374
+HK$419/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$8,140
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,394
−HK$257/mo
Today · 4.125%
HK$8,651
baseline
▲ 0.50% · 4.625%
HK$9,177
+HK$526/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,302/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$9,056
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,299
−HK$246/mo
Today · 4.125%
HK$9,545
baseline
▲ 0.50% · 4.625%
HK$10,049
+HK$504/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,090/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$9,497
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,793
−HK$300/mo
Today · 4.125%
HK$10,093
baseline
▲ 0.50% · 4.625%
HK$10,707
+HK$614/mo
Deposit HK$892K · loan HK$2.08M · min. income ≈ HK$20,186/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$10,566
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,849
−HK$287/mo
Today · 4.125%
HK$11,136
baseline
▲ 0.50% · 4.625%
HK$11,723
+HK$587/mo
Deposit HK$892K · loan HK$2.08M · min. income ≈ HK$22,272/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$12,211
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,590
−HK$386/mo
Today · 4.125%
HK$12,976
baseline
▲ 0.50% · 4.625%
HK$13,766
+HK$790/mo
Deposit HK$297K · loan HK$2.68M · min. income ≈ HK$25,952/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$13,584
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,949
−HK$369/mo
Today · 4.125%
HK$14,318
baseline
▲ 0.50% · 4.625%
HK$15,073
+HK$755/mo
Deposit HK$297K · loan HK$2.68M · min. income ≈ HK$28,636/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).