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$6,941
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,156
−HK$220/mo
Today · 4.125%
HK$7,376
baseline
▲ 0.50% · 4.625%
HK$7,825
+HK$449/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,752/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$7,721
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,928
−HK$210/mo
Today · 4.125%
HK$8,138
baseline
▲ 0.50% · 4.625%
HK$8,567
+HK$429/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,276/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$8,329
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,588
−HK$263/mo
Today · 4.125%
HK$8,851
baseline
▲ 0.50% · 4.625%
HK$9,390
+HK$539/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,702/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$9,266
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,514
−HK$252/mo
Today · 4.125%
HK$9,766
baseline
▲ 0.50% · 4.625%
HK$10,281
+HK$515/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,532/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$9,717
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,019
−HK$307/mo
Today · 4.125%
HK$10,326
baseline
▲ 0.50% · 4.625%
HK$10,954
+HK$628/mo
Deposit HK$913K · loan HK$2.13M · min. income ≈ HK$20,652/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,810
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,100
−HK$294/mo
Today · 4.125%
HK$11,394
baseline
▲ 0.50% · 4.625%
HK$11,994
+HK$600/mo
Deposit HK$913K · loan HK$2.13M · min. income ≈ HK$22,788/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,493
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,882
−HK$394/mo
Today · 4.125%
HK$13,276
baseline
▲ 0.50% · 4.625%
HK$14,084
+HK$808/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$26,552/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$13,898
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,271
−HK$378/mo
Today · 4.125%
HK$14,649
baseline
▲ 0.50% · 4.625%
HK$15,421
+HK$772/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$29,298/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).