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$6,811
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,023
−HK$215/mo
Today · 4.125%
HK$7,238
baseline
▲ 0.50% · 4.625%
HK$7,678
+HK$440/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,476/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$7,577
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,780
−HK$206/mo
Today · 4.125%
HK$7,986
baseline
▲ 0.50% · 4.625%
HK$8,407
+HK$421/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,972/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$8,173
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,427
−HK$258/mo
Today · 4.125%
HK$8,685
baseline
▲ 0.50% · 4.625%
HK$9,214
+HK$529/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,370/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$9,092
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,336
−HK$248/mo
Today · 4.125%
HK$9,584
baseline
▲ 0.50% · 4.625%
HK$10,089
+HK$505/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,168/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$9,535
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,832
−HK$301/mo
Today · 4.125%
HK$10,133
baseline
▲ 0.50% · 4.625%
HK$10,750
+HK$617/mo
Deposit HK$896K · loan HK$2.09M · min. income ≈ HK$20,266/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,608
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,892
−HK$289/mo
Today · 4.125%
HK$11,181
baseline
▲ 0.50% · 4.625%
HK$11,770
+HK$589/mo
Deposit HK$896K · loan HK$2.09M · min. income ≈ HK$22,362/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,259
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,641
−HK$387/mo
Today · 4.125%
HK$13,028
baseline
▲ 0.50% · 4.625%
HK$13,821
+HK$793/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,056/mo (50% DSR)
Upfront cash ≈ HK$299K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,638
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,004
−HK$371/mo
Today · 4.125%
HK$14,375
baseline
▲ 0.50% · 4.625%
HK$15,133
+HK$758/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,750/mo (50% DSR)
Upfront cash ≈ HK$299K (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).