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$6,952
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,168
−HK$220/mo
Today · 4.125%
HK$7,388
baseline
▲ 0.50% · 4.625%
HK$7,837
+HK$449/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,776/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$7,734
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,941
−HK$211/mo
Today · 4.125%
HK$8,152
baseline
▲ 0.50% · 4.625%
HK$8,581
+HK$429/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,304/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$8,342
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,602
−HK$263/mo
Today · 4.125%
HK$8,865
baseline
▲ 0.50% · 4.625%
HK$9,405
+HK$540/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,730/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$9,280
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,529
−HK$253/mo
Today · 4.125%
HK$9,782
baseline
▲ 0.50% · 4.625%
HK$10,298
+HK$516/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,564/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$9,732
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,035
−HK$308/mo
Today · 4.125%
HK$10,343
baseline
▲ 0.50% · 4.625%
HK$10,972
+HK$629/mo
Deposit HK$915K · loan HK$2.13M · min. income ≈ HK$20,686/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,827
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,118
−HK$294/mo
Today · 4.125%
HK$11,412
baseline
▲ 0.50% · 4.625%
HK$12,014
+HK$602/mo
Deposit HK$915K · loan HK$2.13M · min. income ≈ HK$22,824/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,513
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,902
−HK$396/mo
Today · 4.125%
HK$13,298
baseline
▲ 0.50% · 4.625%
HK$14,107
+HK$809/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$26,596/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$13,921
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,294
−HK$379/mo
Today · 4.125%
HK$14,673
baseline
▲ 0.50% · 4.625%
HK$15,446
+HK$773/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$29,346/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).