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$6,944
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,160
−HK$219/mo
Today · 4.125%
HK$7,379
baseline
▲ 0.50% · 4.625%
HK$7,828
+HK$449/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,758/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$7,725
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,932
−HK$210/mo
Today · 4.125%
HK$8,142
baseline
▲ 0.50% · 4.625%
HK$8,571
+HK$429/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,284/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$8,333
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,592
−HK$263/mo
Today · 4.125%
HK$8,855
baseline
▲ 0.50% · 4.625%
HK$9,394
+HK$539/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,710/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$9,270
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,519
−HK$252/mo
Today · 4.125%
HK$9,771
baseline
▲ 0.50% · 4.625%
HK$10,286
+HK$515/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,542/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$9,721
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,024
−HK$307/mo
Today · 4.125%
HK$10,331
baseline
▲ 0.50% · 4.625%
HK$10,960
+HK$629/mo
Deposit HK$914K · loan HK$2.13M · min. income ≈ HK$20,662/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$10,815
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,105
−HK$294/mo
Today · 4.125%
HK$11,399
baseline
▲ 0.50% · 4.625%
HK$12,000
+HK$601/mo
Deposit HK$914K · loan HK$2.13M · min. income ≈ HK$22,798/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$12,499
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,888
−HK$395/mo
Today · 4.125%
HK$13,283
baseline
▲ 0.50% · 4.625%
HK$14,091
+HK$808/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$26,566/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$13,905
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,278
−HK$378/mo
Today · 4.125%
HK$14,656
baseline
▲ 0.50% · 4.625%
HK$15,429
+HK$773/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$29,312/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).