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$6,939
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,155
−HK$219/mo
Today · 4.125%
HK$7,374
baseline
▲ 0.50% · 4.625%
HK$7,823
+HK$449/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,748/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$7,719
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,926
−HK$210/mo
Today · 4.125%
HK$8,136
baseline
▲ 0.50% · 4.625%
HK$8,565
+HK$429/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,272/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$8,327
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,586
−HK$263/mo
Today · 4.125%
HK$8,849
baseline
▲ 0.50% · 4.625%
HK$9,387
+HK$538/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,698/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$9,263
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,512
−HK$252/mo
Today · 4.125%
HK$9,764
baseline
▲ 0.50% · 4.625%
HK$10,278
+HK$514/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,528/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$9,714
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,016
−HK$308/mo
Today · 4.125%
HK$10,324
baseline
▲ 0.50% · 4.625%
HK$10,952
+HK$628/mo
Deposit HK$913K · loan HK$2.13M · min. income ≈ HK$20,648/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$10,807
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,097
−HK$294/mo
Today · 4.125%
HK$11,391
baseline
▲ 0.50% · 4.625%
HK$11,991
+HK$600/mo
Deposit HK$913K · loan HK$2.13M · min. income ≈ HK$22,782/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$12,490
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,878
−HK$395/mo
Today · 4.125%
HK$13,273
baseline
▲ 0.50% · 4.625%
HK$14,081
+HK$808/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$26,546/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$13,895
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,267
−HK$379/mo
Today · 4.125%
HK$14,646
baseline
▲ 0.50% · 4.625%
HK$15,418
+HK$772/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$29,292/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).