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$6,915
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,130
−HK$218/mo
Today · 4.125%
HK$7,348
baseline
▲ 0.50% · 4.625%
HK$7,795
+HK$447/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,696/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$7,692
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,899
−HK$209/mo
Today · 4.125%
HK$8,108
baseline
▲ 0.50% · 4.625%
HK$8,535
+HK$427/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,216/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$8,297
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,556
−HK$262/mo
Today · 4.125%
HK$8,818
baseline
▲ 0.50% · 4.625%
HK$9,354
+HK$536/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,636/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$9,231
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,478
−HK$252/mo
Today · 4.125%
HK$9,730
baseline
▲ 0.50% · 4.625%
HK$10,242
+HK$512/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,460/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$9,680
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,981
−HK$306/mo
Today · 4.125%
HK$10,287
baseline
▲ 0.50% · 4.625%
HK$10,913
+HK$626/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$20,574/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$10,769
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,058
−HK$293/mo
Today · 4.125%
HK$11,351
baseline
▲ 0.50% · 4.625%
HK$11,949
+HK$598/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$22,702/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$12,446
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,833
−HK$394/mo
Today · 4.125%
HK$13,227
baseline
▲ 0.50% · 4.625%
HK$14,031
+HK$804/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$26,454/mo (50% DSR)
Upfront cash ≈ HK$303K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,846
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,218
−HK$376/mo
Today · 4.125%
HK$14,594
baseline
▲ 0.50% · 4.625%
HK$15,364
+HK$770/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$29,188/mo (50% DSR)
Upfront cash ≈ HK$303K (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).