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$6,936
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,152
−HK$219/mo
Today · 4.125%
HK$7,371
baseline
▲ 0.50% · 4.625%
HK$7,820
+HK$449/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,742/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$7,717
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,924
−HK$210/mo
Today · 4.125%
HK$8,134
baseline
▲ 0.50% · 4.625%
HK$8,562
+HK$428/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,268/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$8,324
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,583
−HK$263/mo
Today · 4.125%
HK$8,846
baseline
▲ 0.50% · 4.625%
HK$9,384
+HK$538/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,692/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$9,260
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,508
−HK$252/mo
Today · 4.125%
HK$9,760
baseline
▲ 0.50% · 4.625%
HK$10,275
+HK$515/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,520/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$9,711
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,013
−HK$307/mo
Today · 4.125%
HK$10,320
baseline
▲ 0.50% · 4.625%
HK$10,948
+HK$628/mo
Deposit HK$913K · loan HK$2.13M · min. income ≈ HK$20,640/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,803
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,093
−HK$294/mo
Today · 4.125%
HK$11,387
baseline
▲ 0.50% · 4.625%
HK$11,987
+HK$600/mo
Deposit HK$913K · loan HK$2.13M · min. income ≈ HK$22,774/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,486
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,874
−HK$395/mo
Today · 4.125%
HK$13,269
baseline
▲ 0.50% · 4.625%
HK$14,076
+HK$807/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$26,538/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$13,890
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,263
−HK$378/mo
Today · 4.125%
HK$14,641
baseline
▲ 0.50% · 4.625%
HK$15,412
+HK$771/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$29,282/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).