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$6,921
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,136
−HK$219/mo
Today · 4.125%
HK$7,355
baseline
▲ 0.50% · 4.625%
HK$7,802
+HK$447/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,710/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$7,699
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,906
−HK$209/mo
Today · 4.125%
HK$8,115
baseline
▲ 0.50% · 4.625%
HK$8,543
+HK$428/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,230/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$8,305
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,563
−HK$263/mo
Today · 4.125%
HK$8,826
baseline
▲ 0.50% · 4.625%
HK$9,363
+HK$537/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,652/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$9,239
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,487
−HK$251/mo
Today · 4.125%
HK$9,738
baseline
▲ 0.50% · 4.625%
HK$10,252
+HK$514/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,476/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$9,689
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,991
−HK$306/mo
Today · 4.125%
HK$10,297
baseline
▲ 0.50% · 4.625%
HK$10,923
+HK$626/mo
Deposit HK$911K · loan HK$2.12M · min. income ≈ HK$20,594/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$10,779
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,068
−HK$294/mo
Today · 4.125%
HK$11,362
baseline
▲ 0.50% · 4.625%
HK$11,960
+HK$598/mo
Deposit HK$911K · loan HK$2.12M · min. income ≈ HK$22,724/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$12,458
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,845
−HK$394/mo
Today · 4.125%
HK$13,239
baseline
▲ 0.50% · 4.625%
HK$14,044
+HK$805/mo
Deposit HK$304K · loan HK$2.73M · min. income ≈ HK$26,478/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$13,859
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,231
−HK$377/mo
Today · 4.125%
HK$14,608
baseline
▲ 0.50% · 4.625%
HK$15,378
+HK$770/mo
Deposit HK$304K · loan HK$2.73M · min. income ≈ HK$29,216/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).