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$6,918
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,133
−HK$218/mo
Today · 4.125%
HK$7,351
baseline
▲ 0.50% · 4.625%
HK$7,799
+HK$448/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,702/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$7,696
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,902
−HK$210/mo
Today · 4.125%
HK$8,112
baseline
▲ 0.50% · 4.625%
HK$8,539
+HK$427/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,224/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$8,301
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,559
−HK$263/mo
Today · 4.125%
HK$8,822
baseline
▲ 0.50% · 4.625%
HK$9,358
+HK$536/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,644/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$9,235
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,483
−HK$251/mo
Today · 4.125%
HK$9,734
baseline
▲ 0.50% · 4.625%
HK$10,247
+HK$513/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,468/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$9,685
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,986
−HK$306/mo
Today · 4.125%
HK$10,292
baseline
▲ 0.50% · 4.625%
HK$10,918
+HK$626/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$20,584/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$10,774
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,063
−HK$293/mo
Today · 4.125%
HK$11,356
baseline
▲ 0.50% · 4.625%
HK$11,955
+HK$599/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$22,712/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$12,452
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,839
−HK$393/mo
Today · 4.125%
HK$13,232
baseline
▲ 0.50% · 4.625%
HK$14,038
+HK$806/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$26,464/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$13,852
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,224
−HK$377/mo
Today · 4.125%
HK$14,601
baseline
▲ 0.50% · 4.625%
HK$15,370
+HK$769/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$29,202/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).