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$6,806
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,018
−HK$215/mo
Today · 4.125%
HK$7,233
baseline
▲ 0.50% · 4.625%
HK$7,673
+HK$440/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,466/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$7,572
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,775
−HK$206/mo
Today · 4.125%
HK$7,981
baseline
▲ 0.50% · 4.625%
HK$8,402
+HK$421/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,962/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$8,168
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,422
−HK$258/mo
Today · 4.125%
HK$8,680
baseline
▲ 0.50% · 4.625%
HK$9,208
+HK$528/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,360/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$9,086
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,330
−HK$247/mo
Today · 4.125%
HK$9,577
baseline
▲ 0.50% · 4.625%
HK$10,082
+HK$505/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,154/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$9,529
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,825
−HK$301/mo
Today · 4.125%
HK$10,126
baseline
▲ 0.50% · 4.625%
HK$10,743
+HK$617/mo
Deposit HK$895K · loan HK$2.09M · min. income ≈ HK$20,252/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$10,601
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,885
−HK$288/mo
Today · 4.125%
HK$11,173
baseline
▲ 0.50% · 4.625%
HK$11,762
+HK$589/mo
Deposit HK$895K · loan HK$2.09M · min. income ≈ HK$22,346/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$12,251
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,632
−HK$388/mo
Today · 4.125%
HK$13,020
baseline
▲ 0.50% · 4.625%
HK$13,812
+HK$792/mo
Deposit HK$298K · loan HK$2.69M · min. income ≈ HK$26,040/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$13,629
−HK$737/mo
▼ 0.25% · 3.875%
HK$13,995
−HK$371/mo
Today · 4.125%
HK$14,366
baseline
▲ 0.50% · 4.625%
HK$15,123
+HK$757/mo
Deposit HK$298K · loan HK$2.69M · min. income ≈ HK$28,732/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).