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$6,938
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,154
−HK$219/mo
Today · 4.125%
HK$7,373
baseline
▲ 0.50% · 4.625%
HK$7,822
+HK$449/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,746/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$7,718
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,925
−HK$210/mo
Today · 4.125%
HK$8,135
baseline
▲ 0.50% · 4.625%
HK$8,564
+HK$429/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,270/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$8,325
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,584
−HK$264/mo
Today · 4.125%
HK$8,848
baseline
▲ 0.50% · 4.625%
HK$9,386
+HK$538/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,696/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$9,262
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,510
−HK$252/mo
Today · 4.125%
HK$9,762
baseline
▲ 0.50% · 4.625%
HK$10,277
+HK$515/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,524/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$9,713
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,015
−HK$307/mo
Today · 4.125%
HK$10,322
baseline
▲ 0.50% · 4.625%
HK$10,950
+HK$628/mo
Deposit HK$913K · loan HK$2.13M · min. income ≈ HK$20,644/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$10,806
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,095
−HK$294/mo
Today · 4.125%
HK$11,389
baseline
▲ 0.50% · 4.625%
HK$11,990
+HK$601/mo
Deposit HK$913K · loan HK$2.13M · min. income ≈ HK$22,778/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$12,488
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,877
−HK$394/mo
Today · 4.125%
HK$13,271
baseline
▲ 0.50% · 4.625%
HK$14,079
+HK$808/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$26,542/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$13,893
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,266
−HK$378/mo
Today · 4.125%
HK$14,644
baseline
▲ 0.50% · 4.625%
HK$15,415
+HK$771/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$29,288/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).