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$6,812
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,023
−HK$216/mo
Today · 4.125%
HK$7,239
baseline
▲ 0.50% · 4.625%
HK$7,679
+HK$440/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,478/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$7,578
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,781
−HK$206/mo
Today · 4.125%
HK$7,987
baseline
▲ 0.50% · 4.625%
HK$8,408
+HK$421/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,974/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$8,174
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,428
−HK$258/mo
Today · 4.125%
HK$8,686
baseline
▲ 0.50% · 4.625%
HK$9,215
+HK$529/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,372/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$9,093
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,337
−HK$248/mo
Today · 4.125%
HK$9,585
baseline
▲ 0.50% · 4.625%
HK$10,090
+HK$505/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,170/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$9,536
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,833
−HK$301/mo
Today · 4.125%
HK$10,134
baseline
▲ 0.50% · 4.625%
HK$10,751
+HK$617/mo
Deposit HK$896K · loan HK$2.09M · min. income ≈ HK$20,268/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$10,609
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,893
−HK$289/mo
Today · 4.125%
HK$11,182
baseline
▲ 0.50% · 4.625%
HK$11,772
+HK$590/mo
Deposit HK$896K · loan HK$2.09M · min. income ≈ HK$22,364/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$12,261
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,642
−HK$388/mo
Today · 4.125%
HK$13,030
baseline
▲ 0.50% · 4.625%
HK$13,823
+HK$793/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,060/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$13,640
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,006
−HK$371/mo
Today · 4.125%
HK$14,377
baseline
▲ 0.50% · 4.625%
HK$15,135
+HK$758/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,754/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).