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$434/mo
▼ 0.25% · 3.875%
HK$7,142
−HK$219/mo
Today · 4.125%
HK$7,361
baseline
▲ 0.50% · 4.625%
HK$7,809
+HK$448/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,722/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$7,706
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,913
−HK$209/mo
Today · 4.125%
HK$8,122
baseline
▲ 0.50% · 4.625%
HK$8,550
+HK$428/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,244/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$8,312
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,571
−HK$262/mo
Today · 4.125%
HK$8,833
baseline
▲ 0.50% · 4.625%
HK$9,371
+HK$538/mo
Deposit HK$1.22M · loan HK$1.82M · min. income ≈ HK$17,666/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$9,247
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,495
−HK$252/mo
Today · 4.125%
HK$9,747
baseline
▲ 0.50% · 4.625%
HK$10,260
+HK$513/mo
Deposit HK$1.22M · loan HK$1.82M · min. income ≈ HK$19,494/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$9,697
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,999
−HK$306/mo
Today · 4.125%
HK$10,305
baseline
▲ 0.50% · 4.625%
HK$10,933
+HK$628/mo
Deposit HK$911K · loan HK$2.13M · min. income ≈ HK$20,610/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$10,788
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,078
−HK$293/mo
Today · 4.125%
HK$11,371
baseline
▲ 0.50% · 4.625%
HK$11,970
+HK$599/mo
Deposit HK$911K · loan HK$2.13M · min. income ≈ HK$22,742/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$12,468
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,856
−HK$394/mo
Today · 4.125%
HK$13,250
baseline
▲ 0.50% · 4.625%
HK$14,056
+HK$806/mo
Deposit HK$304K · loan HK$2.73M · min. income ≈ HK$26,500/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$13,871
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,243
−HK$377/mo
Today · 4.125%
HK$14,620
baseline
▲ 0.50% · 4.625%
HK$15,391
+HK$771/mo
Deposit HK$304K · loan HK$2.73M · min. income ≈ HK$29,240/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).