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$6,935
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,151
−HK$219/mo
Today · 4.125%
HK$7,370
baseline
▲ 0.50% · 4.625%
HK$7,819
+HK$449/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,740/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$7,715
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,922
−HK$210/mo
Today · 4.125%
HK$8,132
baseline
▲ 0.50% · 4.625%
HK$8,561
+HK$429/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,264/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$8,322
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,581
−HK$263/mo
Today · 4.125%
HK$8,844
baseline
▲ 0.50% · 4.625%
HK$9,382
+HK$538/mo
Deposit HK$1.22M · loan HK$1.82M · min. income ≈ HK$17,688/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$9,259
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,507
−HK$252/mo
Today · 4.125%
HK$9,759
baseline
▲ 0.50% · 4.625%
HK$10,273
+HK$514/mo
Deposit HK$1.22M · loan HK$1.82M · min. income ≈ HK$19,518/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$9,709
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,011
−HK$307/mo
Today · 4.125%
HK$10,318
baseline
▲ 0.50% · 4.625%
HK$10,946
+HK$628/mo
Deposit HK$912K · loan HK$2.13M · min. income ≈ HK$20,636/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,802
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,091
−HK$294/mo
Today · 4.125%
HK$11,385
baseline
▲ 0.50% · 4.625%
HK$11,985
+HK$600/mo
Deposit HK$912K · loan HK$2.13M · min. income ≈ HK$22,770/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,484
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,872
−HK$394/mo
Today · 4.125%
HK$13,266
baseline
▲ 0.50% · 4.625%
HK$14,074
+HK$808/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$26,532/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$13,888
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,260
−HK$378/mo
Today · 4.125%
HK$14,638
baseline
▲ 0.50% · 4.625%
HK$15,410
+HK$772/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$29,276/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).