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$7,830
+HK$449/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$417/mo
▼ 0.25% · 3.875%
HK$7,934
−HK$210/mo
Today · 4.125%
HK$8,144
baseline
▲ 0.50% · 4.625%
HK$8,574
+HK$430/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,288/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$522/mo
▼ 0.25% · 3.875%
HK$8,594
−HK$263/mo
Today · 4.125%
HK$8,857
baseline
▲ 0.50% · 4.625%
HK$9,396
+HK$539/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,714/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$9,272
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,521
−HK$252/mo
Today · 4.125%
HK$9,773
baseline
▲ 0.50% · 4.625%
HK$10,288
+HK$515/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,546/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$10,026
−HK$308/mo
Today · 4.125%
HK$10,334
baseline
▲ 0.50% · 4.625%
HK$10,962
+HK$628/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$584/mo
▼ 0.25% · 3.875%
HK$11,108
−HK$294/mo
Today · 4.125%
HK$11,402
baseline
▲ 0.50% · 4.625%
HK$12,003
+HK$601/mo
Deposit HK$914K · loan HK$2.13M · min. income ≈ HK$22,804/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$12,502
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,891
−HK$395/mo
Today · 4.125%
HK$13,286
baseline
▲ 0.50% · 4.625%
HK$14,095
+HK$809/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$26,572/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$13,908
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,281
−HK$379/mo
Today · 4.125%
HK$14,660
baseline
▲ 0.50% · 4.625%
HK$15,433
+HK$773/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$29,320/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).