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$6,954
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,170
−HK$220/mo
Today · 4.125%
HK$7,390
baseline
▲ 0.50% · 4.625%
HK$7,839
+HK$449/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,780/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$7,736
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,943
−HK$211/mo
Today · 4.125%
HK$8,154
baseline
▲ 0.50% · 4.625%
HK$8,584
+HK$430/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,308/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$8,344
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,604
−HK$264/mo
Today · 4.125%
HK$8,868
baseline
▲ 0.50% · 4.625%
HK$9,407
+HK$539/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,736/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$9,283
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,532
−HK$252/mo
Today · 4.125%
HK$9,784
baseline
▲ 0.50% · 4.625%
HK$10,300
+HK$516/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,568/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$9,735
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,038
−HK$308/mo
Today · 4.125%
HK$10,346
baseline
▲ 0.50% · 4.625%
HK$10,975
+HK$629/mo
Deposit HK$915K · loan HK$2.13M · min. income ≈ HK$20,692/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,830
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,121
−HK$294/mo
Today · 4.125%
HK$11,415
baseline
▲ 0.50% · 4.625%
HK$12,017
+HK$602/mo
Deposit HK$915K · loan HK$2.13M · min. income ≈ HK$22,830/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,516
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,906
−HK$395/mo
Today · 4.125%
HK$13,301
baseline
▲ 0.50% · 4.625%
HK$14,111
+HK$810/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$26,602/mo (50% DSR)
Upfront cash ≈ HK$305K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,924
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,298
−HK$379/mo
Today · 4.125%
HK$14,677
baseline
▲ 0.50% · 4.625%
HK$15,450
+HK$773/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$29,354/mo (50% DSR)
Upfront cash ≈ HK$305K (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).