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$6,935
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,150
−HK$219/mo
Today · 4.125%
HK$7,369
baseline
▲ 0.50% · 4.625%
HK$7,818
+HK$449/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,738/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$7,715
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,922
−HK$209/mo
Today · 4.125%
HK$8,131
baseline
▲ 0.50% · 4.625%
HK$8,560
+HK$429/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,262/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$8,322
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,580
−HK$263/mo
Today · 4.125%
HK$8,843
baseline
▲ 0.50% · 4.625%
HK$9,381
+HK$538/mo
Deposit HK$1.22M · loan HK$1.82M · min. income ≈ HK$17,686/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$9,258
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,506
−HK$252/mo
Today · 4.125%
HK$9,758
baseline
▲ 0.50% · 4.625%
HK$10,272
+HK$514/mo
Deposit HK$1.22M · loan HK$1.82M · min. income ≈ HK$19,516/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$9,708
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,010
−HK$307/mo
Today · 4.125%
HK$10,317
baseline
▲ 0.50% · 4.625%
HK$10,945
+HK$628/mo
Deposit HK$912K · loan HK$2.13M · min. income ≈ HK$20,634/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,801
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,090
−HK$294/mo
Today · 4.125%
HK$11,384
baseline
▲ 0.50% · 4.625%
HK$11,984
+HK$600/mo
Deposit HK$912K · loan HK$2.13M · min. income ≈ HK$22,768/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,482
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,871
−HK$394/mo
Today · 4.125%
HK$13,265
baseline
▲ 0.50% · 4.625%
HK$14,072
+HK$807/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$26,530/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$13,886
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,259
−HK$378/mo
Today · 4.125%
HK$14,637
baseline
▲ 0.50% · 4.625%
HK$15,408
+HK$771/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$29,274/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).