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$6,920
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,135
−HK$219/mo
Today · 4.125%
HK$7,354
baseline
▲ 0.50% · 4.625%
HK$7,801
+HK$447/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,708/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$7,698
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,905
−HK$209/mo
Today · 4.125%
HK$8,114
baseline
▲ 0.50% · 4.625%
HK$8,542
+HK$428/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,228/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$8,304
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,562
−HK$262/mo
Today · 4.125%
HK$8,824
baseline
▲ 0.50% · 4.625%
HK$9,361
+HK$537/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,648/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$9,238
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,485
−HK$252/mo
Today · 4.125%
HK$9,737
baseline
▲ 0.50% · 4.625%
HK$10,250
+HK$513/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,474/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$9,688
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,989
−HK$306/mo
Today · 4.125%
HK$10,295
baseline
▲ 0.50% · 4.625%
HK$10,921
+HK$626/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$20,590/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,777
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,066
−HK$294/mo
Today · 4.125%
HK$11,360
baseline
▲ 0.50% · 4.625%
HK$11,958
+HK$598/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$22,720/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,455
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,843
−HK$393/mo
Today · 4.125%
HK$13,236
baseline
▲ 0.50% · 4.625%
HK$14,042
+HK$806/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$26,472/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$13,857
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,228
−HK$377/mo
Today · 4.125%
HK$14,605
baseline
▲ 0.50% · 4.625%
HK$15,375
+HK$770/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$29,210/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).