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$6,949
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,165
−HK$219/mo
Today · 4.125%
HK$7,384
baseline
▲ 0.50% · 4.625%
HK$7,834
+HK$450/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,768/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$7,730
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,938
−HK$210/mo
Today · 4.125%
HK$8,148
baseline
▲ 0.50% · 4.625%
HK$8,577
+HK$429/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,296/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$8,338
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,598
−HK$263/mo
Today · 4.125%
HK$8,861
baseline
▲ 0.50% · 4.625%
HK$9,400
+HK$539/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,722/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$9,276
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,525
−HK$252/mo
Today · 4.125%
HK$9,777
baseline
▲ 0.50% · 4.625%
HK$10,293
+HK$516/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,554/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$9,728
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,031
−HK$307/mo
Today · 4.125%
HK$10,338
baseline
▲ 0.50% · 4.625%
HK$10,967
+HK$629/mo
Deposit HK$914K · loan HK$2.13M · min. income ≈ HK$20,676/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$10,822
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,113
−HK$294/mo
Today · 4.125%
HK$11,407
baseline
▲ 0.50% · 4.625%
HK$12,008
+HK$601/mo
Deposit HK$914K · loan HK$2.13M · min. income ≈ HK$22,814/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$12,508
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,897
−HK$395/mo
Today · 4.125%
HK$13,292
baseline
▲ 0.50% · 4.625%
HK$14,101
+HK$809/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$26,584/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$13,914
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,288
−HK$378/mo
Today · 4.125%
HK$14,666
baseline
▲ 0.50% · 4.625%
HK$15,439
+HK$773/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$29,332/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).