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$6,927
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,143
−HK$219/mo
Today · 4.125%
HK$7,362
baseline
▲ 0.50% · 4.625%
HK$7,810
+HK$448/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,724/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$7,707
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,913
−HK$210/mo
Today · 4.125%
HK$8,123
baseline
▲ 0.50% · 4.625%
HK$8,551
+HK$428/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,246/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$8,313
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,571
−HK$263/mo
Today · 4.125%
HK$8,834
baseline
▲ 0.50% · 4.625%
HK$9,372
+HK$538/mo
Deposit HK$1.22M · loan HK$1.82M · min. income ≈ HK$17,668/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$9,248
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,496
−HK$252/mo
Today · 4.125%
HK$9,748
baseline
▲ 0.50% · 4.625%
HK$10,261
+HK$513/mo
Deposit HK$1.22M · loan HK$1.82M · min. income ≈ HK$19,496/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$9,698
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,000
−HK$306/mo
Today · 4.125%
HK$10,306
baseline
▲ 0.50% · 4.625%
HK$10,934
+HK$628/mo
Deposit HK$911K · loan HK$2.13M · min. income ≈ HK$20,612/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$10,789
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,079
−HK$293/mo
Today · 4.125%
HK$11,372
baseline
▲ 0.50% · 4.625%
HK$11,972
+HK$600/mo
Deposit HK$911K · loan HK$2.13M · min. income ≈ HK$22,744/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$12,469
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,857
−HK$394/mo
Today · 4.125%
HK$13,251
baseline
▲ 0.50% · 4.625%
HK$14,058
+HK$807/mo
Deposit HK$304K · loan HK$2.73M · min. income ≈ HK$26,502/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$13,872
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,244
−HK$377/mo
Today · 4.125%
HK$14,621
baseline
▲ 0.50% · 4.625%
HK$15,392
+HK$771/mo
Deposit HK$304K · loan HK$2.73M · min. income ≈ HK$29,242/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).