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$6,953
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,169
−HK$220/mo
Today · 4.125%
HK$7,389
baseline
▲ 0.50% · 4.625%
HK$7,839
+HK$450/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,778/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$7,735
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,943
−HK$210/mo
Today · 4.125%
HK$8,153
baseline
▲ 0.50% · 4.625%
HK$8,583
+HK$430/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,306/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$8,344
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,603
−HK$264/mo
Today · 4.125%
HK$8,867
baseline
▲ 0.50% · 4.625%
HK$9,406
+HK$539/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,734/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$9,282
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,531
−HK$253/mo
Today · 4.125%
HK$9,784
baseline
▲ 0.50% · 4.625%
HK$10,300
+HK$516/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,568/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$9,734
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,037
−HK$308/mo
Today · 4.125%
HK$10,345
baseline
▲ 0.50% · 4.625%
HK$10,974
+HK$629/mo
Deposit HK$915K · loan HK$2.13M · min. income ≈ HK$20,690/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,829
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,120
−HK$294/mo
Today · 4.125%
HK$11,414
baseline
▲ 0.50% · 4.625%
HK$12,016
+HK$602/mo
Deposit HK$915K · loan HK$2.13M · min. income ≈ HK$22,828/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,516
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,905
−HK$395/mo
Today · 4.125%
HK$13,300
baseline
▲ 0.50% · 4.625%
HK$14,110
+HK$810/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$26,600/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$13,923
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,297
−HK$379/mo
Today · 4.125%
HK$14,676
baseline
▲ 0.50% · 4.625%
HK$15,449
+HK$773/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$29,352/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).