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$6,947
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,163
−HK$220/mo
Today · 4.125%
HK$7,383
baseline
▲ 0.50% · 4.625%
HK$7,832
+HK$449/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,766/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$7,729
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,936
−HK$210/mo
Today · 4.125%
HK$8,146
baseline
▲ 0.50% · 4.625%
HK$8,576
+HK$430/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,292/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$8,337
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,596
−HK$263/mo
Today · 4.125%
HK$8,859
baseline
▲ 0.50% · 4.625%
HK$9,399
+HK$540/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,718/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,274
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,523
−HK$253/mo
Today · 4.125%
HK$9,776
baseline
▲ 0.50% · 4.625%
HK$10,291
+HK$515/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,552/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,726
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,029
−HK$307/mo
Today · 4.125%
HK$10,336
baseline
▲ 0.50% · 4.625%
HK$10,965
+HK$629/mo
Deposit HK$914K · loan HK$2.13M · min. income ≈ HK$20,672/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,820
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,110
−HK$295/mo
Today · 4.125%
HK$11,405
baseline
▲ 0.50% · 4.625%
HK$12,006
+HK$601/mo
Deposit HK$914K · loan HK$2.13M · min. income ≈ HK$22,810/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,505
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,894
−HK$395/mo
Today · 4.125%
HK$13,289
baseline
▲ 0.50% · 4.625%
HK$14,098
+HK$809/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$26,578/mo (50% DSR)
Upfront cash ≈ HK$305K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,912
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,285
−HK$378/mo
Today · 4.125%
HK$14,663
baseline
▲ 0.50% · 4.625%
HK$15,436
+HK$773/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$29,326/mo (50% DSR)
Upfront cash ≈ HK$305K (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).