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$6,938
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,154
−HK$220/mo
Today · 4.125%
HK$7,374
baseline
▲ 0.50% · 4.625%
HK$7,822
+HK$448/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,748/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$7,719
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,926
−HK$210/mo
Today · 4.125%
HK$8,136
baseline
▲ 0.50% · 4.625%
HK$8,565
+HK$429/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,272/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$8,326
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,585
−HK$263/mo
Today · 4.125%
HK$8,848
baseline
▲ 0.50% · 4.625%
HK$9,387
+HK$539/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,696/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$9,263
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,511
−HK$252/mo
Today · 4.125%
HK$9,763
baseline
▲ 0.50% · 4.625%
HK$10,278
+HK$515/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,526/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$9,714
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,016
−HK$307/mo
Today · 4.125%
HK$10,323
baseline
▲ 0.50% · 4.625%
HK$10,951
+HK$628/mo
Deposit HK$913K · loan HK$2.13M · min. income ≈ HK$20,646/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,807
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,096
−HK$294/mo
Today · 4.125%
HK$11,390
baseline
▲ 0.50% · 4.625%
HK$11,991
+HK$601/mo
Deposit HK$913K · loan HK$2.13M · min. income ≈ HK$22,780/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,489
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,878
−HK$394/mo
Today · 4.125%
HK$13,272
baseline
▲ 0.50% · 4.625%
HK$14,080
+HK$808/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$26,544/mo (50% DSR)
Upfront cash ≈ HK$304K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,894
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,267
−HK$378/mo
Today · 4.125%
HK$14,645
baseline
▲ 0.50% · 4.625%
HK$15,417
+HK$772/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$29,290/mo (50% DSR)
Upfront cash ≈ HK$304K (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).