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$6,924
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,140
−HK$218/mo
Today · 4.125%
HK$7,358
baseline
▲ 0.50% · 4.625%
HK$7,806
+HK$448/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,716/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$7,703
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,910
−HK$209/mo
Today · 4.125%
HK$8,119
baseline
▲ 0.50% · 4.625%
HK$8,547
+HK$428/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,238/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$8,309
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,568
−HK$262/mo
Today · 4.125%
HK$8,830
baseline
▲ 0.50% · 4.625%
HK$9,367
+HK$537/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,660/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,244
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,492
−HK$251/mo
Today · 4.125%
HK$9,743
baseline
▲ 0.50% · 4.625%
HK$10,257
+HK$514/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,486/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,694
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,995
−HK$307/mo
Today · 4.125%
HK$10,302
baseline
▲ 0.50% · 4.625%
HK$10,929
+HK$627/mo
Deposit HK$911K · loan HK$2.13M · min. income ≈ HK$20,604/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,784
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,074
−HK$293/mo
Today · 4.125%
HK$11,367
baseline
▲ 0.50% · 4.625%
HK$11,966
+HK$599/mo
Deposit HK$911K · loan HK$2.13M · min. income ≈ HK$22,734/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,464
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,851
−HK$394/mo
Today · 4.125%
HK$13,245
baseline
▲ 0.50% · 4.625%
HK$14,051
+HK$806/mo
Deposit HK$304K · loan HK$2.73M · min. income ≈ HK$26,490/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$13,866
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,238
−HK$377/mo
Today · 4.125%
HK$14,615
baseline
▲ 0.50% · 4.625%
HK$15,385
+HK$770/mo
Deposit HK$304K · loan HK$2.73M · min. income ≈ HK$29,230/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).