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$6,910
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,125
−HK$218/mo
Today · 4.125%
HK$7,343
baseline
▲ 0.50% · 4.625%
HK$7,790
+HK$447/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,686/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$7,687
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,893
−HK$209/mo
Today · 4.125%
HK$8,102
baseline
▲ 0.50% · 4.625%
HK$8,530
+HK$428/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,204/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$8,292
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,550
−HK$262/mo
Today · 4.125%
HK$8,812
baseline
▲ 0.50% · 4.625%
HK$9,348
+HK$536/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,624/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$9,225
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,472
−HK$251/mo
Today · 4.125%
HK$9,723
baseline
▲ 0.50% · 4.625%
HK$10,235
+HK$512/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,446/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$9,674
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,975
−HK$305/mo
Today · 4.125%
HK$10,280
baseline
▲ 0.50% · 4.625%
HK$10,906
+HK$626/mo
Deposit HK$909K · loan HK$2.12M · min. income ≈ HK$20,560/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,762
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,051
−HK$292/mo
Today · 4.125%
HK$11,343
baseline
▲ 0.50% · 4.625%
HK$11,941
+HK$598/mo
Deposit HK$909K · loan HK$2.12M · min. income ≈ HK$22,686/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,438
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,825
−HK$393/mo
Today · 4.125%
HK$13,218
baseline
▲ 0.50% · 4.625%
HK$14,022
+HK$804/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$26,436/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$13,837
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,208
−HK$376/mo
Today · 4.125%
HK$14,584
baseline
▲ 0.50% · 4.625%
HK$15,353
+HK$769/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$29,168/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).