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$6,919
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,134
−HK$219/mo
Today · 4.125%
HK$7,353
baseline
▲ 0.50% · 4.625%
HK$7,800
+HK$447/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,706/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$7,697
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,904
−HK$209/mo
Today · 4.125%
HK$8,113
baseline
▲ 0.50% · 4.625%
HK$8,541
+HK$428/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,226/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$8,303
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,561
−HK$263/mo
Today · 4.125%
HK$8,824
baseline
▲ 0.50% · 4.625%
HK$9,360
+HK$536/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,648/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$9,237
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,485
−HK$251/mo
Today · 4.125%
HK$9,736
baseline
▲ 0.50% · 4.625%
HK$10,249
+HK$513/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,472/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$9,687
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,988
−HK$306/mo
Today · 4.125%
HK$10,294
baseline
▲ 0.50% · 4.625%
HK$10,920
+HK$626/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$20,588/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$10,776
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,065
−HK$294/mo
Today · 4.125%
HK$11,359
baseline
▲ 0.50% · 4.625%
HK$11,957
+HK$598/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$22,718/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$12,454
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,842
−HK$393/mo
Today · 4.125%
HK$13,235
baseline
▲ 0.50% · 4.625%
HK$14,041
+HK$806/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$26,470/mo (50% DSR)
Upfront cash ≈ HK$304K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,855
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,227
−HK$377/mo
Today · 4.125%
HK$14,604
baseline
▲ 0.50% · 4.625%
HK$15,374
+HK$770/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$29,208/mo (50% DSR)
Upfront cash ≈ HK$304K (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).