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$6,774
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,984
−HK$214/mo
Today · 4.125%
HK$7,198
baseline
▲ 0.50% · 4.625%
HK$7,636
+HK$438/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,396/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$7,536
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,738
−HK$205/mo
Today · 4.125%
HK$7,943
baseline
▲ 0.50% · 4.625%
HK$8,361
+HK$418/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,886/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$8,128
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,381
−HK$257/mo
Today · 4.125%
HK$8,638
baseline
▲ 0.50% · 4.625%
HK$9,164
+HK$526/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,276/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$9,043
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,285
−HK$246/mo
Today · 4.125%
HK$9,531
baseline
▲ 0.50% · 4.625%
HK$10,034
+HK$503/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,062/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$9,483
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,778
−HK$300/mo
Today · 4.125%
HK$10,078
baseline
▲ 0.50% · 4.625%
HK$10,691
+HK$613/mo
Deposit HK$891K · loan HK$2.08M · min. income ≈ HK$20,156/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,550
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,833
−HK$287/mo
Today · 4.125%
HK$11,120
baseline
▲ 0.50% · 4.625%
HK$11,706
+HK$586/mo
Deposit HK$891K · loan HK$2.08M · min. income ≈ HK$22,240/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,192
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,572
−HK$385/mo
Today · 4.125%
HK$12,957
baseline
▲ 0.50% · 4.625%
HK$13,745
+HK$788/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$25,914/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$13,564
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,928
−HK$369/mo
Today · 4.125%
HK$14,297
baseline
▲ 0.50% · 4.625%
HK$15,050
+HK$753/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$28,594/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).