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$6,810
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,022
−HK$215/mo
Today · 4.125%
HK$7,237
baseline
▲ 0.50% · 4.625%
HK$7,678
+HK$441/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,474/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$7,576
−HK$410/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$8,172
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,427
−HK$258/mo
Today · 4.125%
HK$8,685
baseline
▲ 0.50% · 4.625%
HK$9,213
+HK$528/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$491/mo
▼ 0.25% · 3.875%
HK$9,335
−HK$248/mo
Today · 4.125%
HK$9,583
baseline
▲ 0.50% · 4.625%
HK$10,088
+HK$505/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,166/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$9,534
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,831
−HK$301/mo
Today · 4.125%
HK$10,132
baseline
▲ 0.50% · 4.625%
HK$10,749
+HK$617/mo
Deposit HK$896K · loan HK$2.09M · min. income ≈ HK$20,264/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$10,607
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,891
−HK$289/mo
Today · 4.125%
HK$11,180
baseline
▲ 0.50% · 4.625%
HK$11,769
+HK$589/mo
Deposit HK$896K · loan HK$2.09M · min. income ≈ HK$22,360/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$768/mo
▼ 0.25% · 3.875%
HK$12,640
−HK$387/mo
Today · 4.125%
HK$13,027
baseline
▲ 0.50% · 4.625%
HK$13,820
+HK$793/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,054/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$13,637
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,003
−HK$371/mo
Today · 4.125%
HK$14,374
baseline
▲ 0.50% · 4.625%
HK$15,132
+HK$758/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,748/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).