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$6,922
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,138
−HK$218/mo
Today · 4.125%
HK$7,356
baseline
▲ 0.50% · 4.625%
HK$7,804
+HK$448/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,712/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$7,701
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,908
−HK$209/mo
Today · 4.125%
HK$8,117
baseline
▲ 0.50% · 4.625%
HK$8,545
+HK$428/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,234/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$8,307
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,565
−HK$263/mo
Today · 4.125%
HK$8,828
baseline
▲ 0.50% · 4.625%
HK$9,365
+HK$537/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,656/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$9,241
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,489
−HK$252/mo
Today · 4.125%
HK$9,741
baseline
▲ 0.50% · 4.625%
HK$10,254
+HK$513/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,482/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$9,691
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,993
−HK$306/mo
Today · 4.125%
HK$10,299
baseline
▲ 0.50% · 4.625%
HK$10,926
+HK$627/mo
Deposit HK$911K · loan HK$2.13M · min. income ≈ HK$20,598/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$10,781
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,071
−HK$293/mo
Today · 4.125%
HK$11,364
baseline
▲ 0.50% · 4.625%
HK$11,963
+HK$599/mo
Deposit HK$911K · loan HK$2.13M · min. income ≈ HK$22,728/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$12,460
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,848
−HK$394/mo
Today · 4.125%
HK$13,242
baseline
▲ 0.50% · 4.625%
HK$14,047
+HK$805/mo
Deposit HK$304K · loan HK$2.73M · min. income ≈ HK$26,484/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$13,862
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,234
−HK$377/mo
Today · 4.125%
HK$14,611
baseline
▲ 0.50% · 4.625%
HK$15,381
+HK$770/mo
Deposit HK$304K · loan HK$2.73M · min. income ≈ HK$29,222/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).