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$6,917
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,133
−HK$218/mo
Today · 4.125%
HK$7,351
baseline
▲ 0.50% · 4.625%
HK$7,799
+HK$448/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,702/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$7,696
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,902
−HK$209/mo
Today · 4.125%
HK$8,111
baseline
▲ 0.50% · 4.625%
HK$8,539
+HK$428/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,222/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$8,301
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,559
−HK$262/mo
Today · 4.125%
HK$8,821
baseline
▲ 0.50% · 4.625%
HK$9,358
+HK$537/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,642/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$9,235
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,482
−HK$252/mo
Today · 4.125%
HK$9,734
baseline
▲ 0.50% · 4.625%
HK$10,247
+HK$513/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,468/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$9,684
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,986
−HK$306/mo
Today · 4.125%
HK$10,292
baseline
▲ 0.50% · 4.625%
HK$10,918
+HK$626/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$20,584/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$10,774
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,063
−HK$293/mo
Today · 4.125%
HK$11,356
baseline
▲ 0.50% · 4.625%
HK$11,954
+HK$598/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$22,712/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$12,451
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,839
−HK$393/mo
Today · 4.125%
HK$13,232
baseline
▲ 0.50% · 4.625%
HK$14,037
+HK$805/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$26,464/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$13,852
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,224
−HK$376/mo
Today · 4.125%
HK$14,600
baseline
▲ 0.50% · 4.625%
HK$15,370
+HK$770/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$29,200/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).