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$6,946
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,162
−HK$219/mo
Today · 4.125%
HK$7,381
baseline
▲ 0.50% · 4.625%
HK$7,831
+HK$450/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,762/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$7,727
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,935
−HK$210/mo
Today · 4.125%
HK$8,145
baseline
▲ 0.50% · 4.625%
HK$8,574
+HK$429/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,290/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$8,335
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,594
−HK$264/mo
Today · 4.125%
HK$8,858
baseline
▲ 0.50% · 4.625%
HK$9,397
+HK$539/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,716/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$9,273
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,521
−HK$253/mo
Today · 4.125%
HK$9,774
baseline
▲ 0.50% · 4.625%
HK$10,289
+HK$515/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,548/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$9,724
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,027
−HK$307/mo
Today · 4.125%
HK$10,334
baseline
▲ 0.50% · 4.625%
HK$10,963
+HK$629/mo
Deposit HK$914K · loan HK$2.13M · min. income ≈ HK$20,668/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,818
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,108
−HK$295/mo
Today · 4.125%
HK$11,403
baseline
▲ 0.50% · 4.625%
HK$12,004
+HK$601/mo
Deposit HK$914K · loan HK$2.13M · min. income ≈ HK$22,806/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,503
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,892
−HK$395/mo
Today · 4.125%
HK$13,287
baseline
▲ 0.50% · 4.625%
HK$14,095
+HK$808/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$26,574/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$13,909
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,282
−HK$379/mo
Today · 4.125%
HK$14,661
baseline
▲ 0.50% · 4.625%
HK$15,433
+HK$772/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$29,322/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).