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$6,928
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,143
−HK$219/mo
Today · 4.125%
HK$7,362
baseline
▲ 0.50% · 4.625%
HK$7,810
+HK$448/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,724/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$7,707
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,914
−HK$210/mo
Today · 4.125%
HK$8,124
baseline
▲ 0.50% · 4.625%
HK$8,552
+HK$428/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,248/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$8,314
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,572
−HK$263/mo
Today · 4.125%
HK$8,835
baseline
▲ 0.50% · 4.625%
HK$9,372
+HK$537/mo
Deposit HK$1.22M · loan HK$1.82M · min. income ≈ HK$17,670/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$9,249
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,497
−HK$251/mo
Today · 4.125%
HK$9,748
baseline
▲ 0.50% · 4.625%
HK$10,262
+HK$514/mo
Deposit HK$1.22M · loan HK$1.82M · min. income ≈ HK$19,496/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$9,699
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,001
−HK$306/mo
Today · 4.125%
HK$10,307
baseline
▲ 0.50% · 4.625%
HK$10,935
+HK$628/mo
Deposit HK$911K · loan HK$2.13M · min. income ≈ HK$20,614/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,790
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,080
−HK$293/mo
Today · 4.125%
HK$11,373
baseline
▲ 0.50% · 4.625%
HK$11,973
+HK$600/mo
Deposit HK$911K · loan HK$2.13M · min. income ≈ HK$22,746/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,470
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,858
−HK$394/mo
Today · 4.125%
HK$13,252
baseline
▲ 0.50% · 4.625%
HK$14,059
+HK$807/mo
Deposit HK$304K · loan HK$2.73M · min. income ≈ HK$26,504/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$13,873
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,245
−HK$378/mo
Today · 4.125%
HK$14,623
baseline
▲ 0.50% · 4.625%
HK$15,393
+HK$770/mo
Deposit HK$304K · loan HK$2.73M · min. income ≈ HK$29,246/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).