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$6,917
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,132
−HK$218/mo
Today · 4.125%
HK$7,350
baseline
▲ 0.50% · 4.625%
HK$7,798
+HK$448/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,700/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,695
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,901
−HK$209/mo
Today · 4.125%
HK$8,110
baseline
▲ 0.50% · 4.625%
HK$8,538
+HK$428/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,220/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,300
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,558
−HK$263/mo
Today · 4.125%
HK$8,821
baseline
▲ 0.50% · 4.625%
HK$9,357
+HK$536/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,642/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,234
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,481
−HK$252/mo
Today · 4.125%
HK$9,733
baseline
▲ 0.50% · 4.625%
HK$10,246
+HK$513/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,466/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,683
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,985
−HK$306/mo
Today · 4.125%
HK$10,291
baseline
▲ 0.50% · 4.625%
HK$10,917
+HK$626/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$20,582/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,773
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,062
−HK$293/mo
Today · 4.125%
HK$11,355
baseline
▲ 0.50% · 4.625%
HK$11,953
+HK$598/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$22,710/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,450
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,837
−HK$394/mo
Today · 4.125%
HK$13,231
baseline
▲ 0.50% · 4.625%
HK$14,036
+HK$805/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$26,462/mo (50% DSR)
Upfront cash ≈ HK$303K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,851
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,222
−HK$377/mo
Today · 4.125%
HK$14,599
baseline
▲ 0.50% · 4.625%
HK$15,368
+HK$769/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$29,198/mo (50% DSR)
Upfront cash ≈ HK$303K (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).