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$6,930
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,145
−HK$219/mo
Today · 4.125%
HK$7,364
baseline
▲ 0.50% · 4.625%
HK$7,812
+HK$448/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,728/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$7,709
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,916
−HK$210/mo
Today · 4.125%
HK$8,126
baseline
▲ 0.50% · 4.625%
HK$8,554
+HK$428/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,252/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$8,315
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,574
−HK$263/mo
Today · 4.125%
HK$8,837
baseline
▲ 0.50% · 4.625%
HK$9,375
+HK$538/mo
Deposit HK$1.22M · loan HK$1.82M · min. income ≈ HK$17,674/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$9,251
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,499
−HK$252/mo
Today · 4.125%
HK$9,751
baseline
▲ 0.50% · 4.625%
HK$10,265
+HK$514/mo
Deposit HK$1.22M · loan HK$1.82M · min. income ≈ HK$19,502/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$9,701
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,003
−HK$307/mo
Today · 4.125%
HK$10,310
baseline
▲ 0.50% · 4.625%
HK$10,937
+HK$627/mo
Deposit HK$912K · loan HK$2.13M · min. income ≈ HK$20,620/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,793
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,082
−HK$294/mo
Today · 4.125%
HK$11,376
baseline
▲ 0.50% · 4.625%
HK$11,975
+HK$599/mo
Deposit HK$912K · loan HK$2.13M · min. income ≈ HK$22,752/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,473
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,861
−HK$394/mo
Today · 4.125%
HK$13,255
baseline
▲ 0.50% · 4.625%
HK$14,062
+HK$807/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$26,510/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$13,876
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,248
−HK$378/mo
Today · 4.125%
HK$14,626
baseline
▲ 0.50% · 4.625%
HK$15,397
+HK$771/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$29,252/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).