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$6,953
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,169
−HK$220/mo
Today · 4.125%
HK$7,389
baseline
▲ 0.50% · 4.625%
HK$7,838
+HK$449/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,778/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$7,735
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,942
−HK$211/mo
Today · 4.125%
HK$8,153
baseline
▲ 0.50% · 4.625%
HK$8,582
+HK$429/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,306/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$8,343
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,603
−HK$263/mo
Today · 4.125%
HK$8,866
baseline
▲ 0.50% · 4.625%
HK$9,406
+HK$540/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,732/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$9,282
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,531
−HK$252/mo
Today · 4.125%
HK$9,783
baseline
▲ 0.50% · 4.625%
HK$10,299
+HK$516/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,566/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$9,734
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,037
−HK$307/mo
Today · 4.125%
HK$10,344
baseline
▲ 0.50% · 4.625%
HK$10,974
+HK$630/mo
Deposit HK$915K · loan HK$2.13M · min. income ≈ HK$20,688/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,829
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,119
−HK$295/mo
Today · 4.125%
HK$11,414
baseline
▲ 0.50% · 4.625%
HK$12,015
+HK$601/mo
Deposit HK$915K · loan HK$2.13M · min. income ≈ HK$22,828/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,515
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,904
−HK$396/mo
Today · 4.125%
HK$13,300
baseline
▲ 0.50% · 4.625%
HK$14,109
+HK$809/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$26,600/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$13,923
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,296
−HK$379/mo
Today · 4.125%
HK$14,675
baseline
▲ 0.50% · 4.625%
HK$15,448
+HK$773/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$29,350/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).