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$6,910
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,125
−HK$219/mo
Today · 4.125%
HK$7,344
baseline
▲ 0.50% · 4.625%
HK$7,791
+HK$447/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,688/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$7,688
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,894
−HK$209/mo
Today · 4.125%
HK$8,103
baseline
▲ 0.50% · 4.625%
HK$8,530
+HK$427/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,206/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$8,292
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,550
−HK$262/mo
Today · 4.125%
HK$8,812
baseline
▲ 0.50% · 4.625%
HK$9,349
+HK$537/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,624/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$9,225
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,473
−HK$251/mo
Today · 4.125%
HK$9,724
baseline
▲ 0.50% · 4.625%
HK$10,236
+HK$512/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,448/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$9,675
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,975
−HK$306/mo
Today · 4.125%
HK$10,281
baseline
▲ 0.50% · 4.625%
HK$10,907
+HK$626/mo
Deposit HK$909K · loan HK$2.12M · min. income ≈ HK$20,562/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,763
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,051
−HK$293/mo
Today · 4.125%
HK$11,344
baseline
▲ 0.50% · 4.625%
HK$11,942
+HK$598/mo
Deposit HK$909K · loan HK$2.12M · min. income ≈ HK$22,688/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,439
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,826
−HK$393/mo
Today · 4.125%
HK$13,219
baseline
▲ 0.50% · 4.625%
HK$14,023
+HK$804/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$26,438/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$13,838
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,209
−HK$377/mo
Today · 4.125%
HK$14,586
baseline
▲ 0.50% · 4.625%
HK$15,354
+HK$768/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$29,172/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).