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$6,919
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,135
−HK$218/mo
Today · 4.125%
HK$7,353
baseline
▲ 0.50% · 4.625%
HK$7,801
+HK$448/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,706/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$7,904
−HK$210/mo
Today · 4.125%
HK$8,114
baseline
▲ 0.50% · 4.625%
HK$8,541
+HK$427/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$8,303
−HK$521/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$9,237
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,485
−HK$251/mo
Today · 4.125%
HK$9,736
baseline
▲ 0.50% · 4.625%
HK$10,250
+HK$514/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,472/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$9,687
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,988
−HK$307/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$582/mo
▼ 0.25% · 3.875%
HK$11,066
−HK$293/mo
Today · 4.125%
HK$11,359
baseline
▲ 0.50% · 4.625%
HK$11,958
+HK$599/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$22,718/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$12,842
−HK$394/mo
Today · 4.125%
HK$13,236
baseline
▲ 0.50% · 4.625%
HK$14,041
+HK$805/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$13,856
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,228
−HK$377/mo
Today · 4.125%
HK$14,605
baseline
▲ 0.50% · 4.625%
HK$15,374
+HK$769/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).