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$6,913
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,128
−HK$219/mo
Today · 4.125%
HK$7,347
baseline
▲ 0.50% · 4.625%
HK$7,794
+HK$447/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,694/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$7,691
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,897
−HK$209/mo
Today · 4.125%
HK$8,106
baseline
▲ 0.50% · 4.625%
HK$8,533
+HK$427/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,212/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$8,296
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,554
−HK$262/mo
Today · 4.125%
HK$8,816
baseline
▲ 0.50% · 4.625%
HK$9,352
+HK$536/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,632/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$9,229
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,476
−HK$251/mo
Today · 4.125%
HK$9,727
baseline
▲ 0.50% · 4.625%
HK$10,240
+HK$513/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,454/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$9,678
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,979
−HK$306/mo
Today · 4.125%
HK$10,285
baseline
▲ 0.50% · 4.625%
HK$10,911
+HK$626/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$20,570/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$10,767
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,056
−HK$293/mo
Today · 4.125%
HK$11,349
baseline
▲ 0.50% · 4.625%
HK$11,947
+HK$598/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$22,698/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$12,443
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,830
−HK$394/mo
Today · 4.125%
HK$13,224
baseline
▲ 0.50% · 4.625%
HK$14,028
+HK$804/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$26,448/mo (50% DSR)
Upfront cash ≈ HK$303K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,843
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,214
−HK$377/mo
Today · 4.125%
HK$14,591
baseline
▲ 0.50% · 4.625%
HK$15,360
+HK$769/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$29,182/mo (50% DSR)
Upfront cash ≈ HK$303K (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).