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$6,923
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,138
−HK$219/mo
Today · 4.125%
HK$7,357
baseline
▲ 0.50% · 4.625%
HK$7,805
+HK$448/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,714/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$7,702
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,908
−HK$210/mo
Today · 4.125%
HK$8,118
baseline
▲ 0.50% · 4.625%
HK$8,546
+HK$428/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,236/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$8,307
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,566
−HK$262/mo
Today · 4.125%
HK$8,828
baseline
▲ 0.50% · 4.625%
HK$9,366
+HK$538/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,656/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$9,242
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,490
−HK$251/mo
Today · 4.125%
HK$9,741
baseline
▲ 0.50% · 4.625%
HK$10,255
+HK$514/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,482/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$9,692
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,993
−HK$307/mo
Today · 4.125%
HK$10,300
baseline
▲ 0.50% · 4.625%
HK$10,926
+HK$626/mo
Deposit HK$911K · loan HK$2.13M · min. income ≈ HK$20,600/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,782
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,071
−HK$294/mo
Today · 4.125%
HK$11,365
baseline
▲ 0.50% · 4.625%
HK$11,964
+HK$599/mo
Deposit HK$911K · loan HK$2.13M · min. income ≈ HK$22,730/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,461
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,849
−HK$394/mo
Today · 4.125%
HK$13,243
baseline
▲ 0.50% · 4.625%
HK$14,048
+HK$805/mo
Deposit HK$304K · loan HK$2.73M · min. income ≈ HK$26,486/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$13,863
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,235
−HK$377/mo
Today · 4.125%
HK$14,612
baseline
▲ 0.50% · 4.625%
HK$15,382
+HK$770/mo
Deposit HK$304K · loan HK$2.73M · min. income ≈ HK$29,224/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).