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$6,954
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,171
−HK$220/mo
Today · 4.125%
HK$7,391
baseline
▲ 0.50% · 4.625%
HK$7,840
+HK$449/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,782/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,737
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,944
−HK$211/mo
Today · 4.125%
HK$8,155
baseline
▲ 0.50% · 4.625%
HK$8,585
+HK$430/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,310/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,345
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,605
−HK$264/mo
Today · 4.125%
HK$8,869
baseline
▲ 0.50% · 4.625%
HK$9,408
+HK$539/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,738/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$9,284
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,533
−HK$253/mo
Today · 4.125%
HK$9,786
baseline
▲ 0.50% · 4.625%
HK$10,301
+HK$515/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,572/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$9,736
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,039
−HK$308/mo
Today · 4.125%
HK$10,347
baseline
▲ 0.50% · 4.625%
HK$10,976
+HK$629/mo
Deposit HK$915K · loan HK$2.13M · min. income ≈ HK$20,694/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,831
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,122
−HK$295/mo
Today · 4.125%
HK$11,417
baseline
▲ 0.50% · 4.625%
HK$12,018
+HK$601/mo
Deposit HK$915K · loan HK$2.13M · min. income ≈ HK$22,834/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,518
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,907
−HK$396/mo
Today · 4.125%
HK$13,303
baseline
▲ 0.50% · 4.625%
HK$14,112
+HK$809/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$26,606/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$13,926
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,300
−HK$378/mo
Today · 4.125%
HK$14,678
baseline
▲ 0.50% · 4.625%
HK$15,452
+HK$774/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$29,356/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).