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$6,919
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,134
−HK$218/mo
Today · 4.125%
HK$7,352
baseline
▲ 0.50% · 4.625%
HK$7,800
+HK$448/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,704/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$7,697
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,903
−HK$210/mo
Today · 4.125%
HK$8,113
baseline
▲ 0.50% · 4.625%
HK$8,540
+HK$427/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,226/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$8,302
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,560
−HK$263/mo
Today · 4.125%
HK$8,823
baseline
▲ 0.50% · 4.625%
HK$9,360
+HK$537/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,646/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$9,236
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,484
−HK$251/mo
Today · 4.125%
HK$9,735
baseline
▲ 0.50% · 4.625%
HK$10,248
+HK$513/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,470/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$9,686
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,987
−HK$306/mo
Today · 4.125%
HK$10,293
baseline
▲ 0.50% · 4.625%
HK$10,920
+HK$627/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$20,586/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,775
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,064
−HK$294/mo
Today · 4.125%
HK$11,358
baseline
▲ 0.50% · 4.625%
HK$11,956
+HK$598/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$22,716/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,453
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,841
−HK$393/mo
Today · 4.125%
HK$13,234
baseline
▲ 0.50% · 4.625%
HK$14,040
+HK$806/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$26,468/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$13,854
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,226
−HK$377/mo
Today · 4.125%
HK$14,603
baseline
▲ 0.50% · 4.625%
HK$15,372
+HK$769/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$29,206/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).