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$6,946
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,163
−HK$219/mo
Today · 4.125%
HK$7,382
baseline
▲ 0.50% · 4.625%
HK$7,831
+HK$449/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,764/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$7,728
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,935
−HK$210/mo
Today · 4.125%
HK$8,145
baseline
▲ 0.50% · 4.625%
HK$8,575
+HK$430/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,290/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$8,336
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,595
−HK$263/mo
Today · 4.125%
HK$8,858
baseline
▲ 0.50% · 4.625%
HK$9,397
+HK$539/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,716/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$9,273
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,522
−HK$252/mo
Today · 4.125%
HK$9,774
baseline
▲ 0.50% · 4.625%
HK$10,290
+HK$516/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,548/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$9,725
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,028
−HK$307/mo
Today · 4.125%
HK$10,335
baseline
▲ 0.50% · 4.625%
HK$10,964
+HK$629/mo
Deposit HK$914K · loan HK$2.13M · min. income ≈ HK$20,670/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,819
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,109
−HK$295/mo
Today · 4.125%
HK$11,404
baseline
▲ 0.50% · 4.625%
HK$12,005
+HK$601/mo
Deposit HK$914K · loan HK$2.13M · min. income ≈ HK$22,808/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,504
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,893
−HK$395/mo
Today · 4.125%
HK$13,288
baseline
▲ 0.50% · 4.625%
HK$14,096
+HK$808/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$26,576/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$13,910
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,283
−HK$379/mo
Today · 4.125%
HK$14,662
baseline
▲ 0.50% · 4.625%
HK$15,434
+HK$772/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$29,324/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).