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$6,915
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,130
−HK$218/mo
Today · 4.125%
HK$7,348
baseline
▲ 0.50% · 4.625%
HK$7,795
+HK$447/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,696/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$7,692
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,899
−HK$209/mo
Today · 4.125%
HK$8,108
baseline
▲ 0.50% · 4.625%
HK$8,535
+HK$427/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,216/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$8,298
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,556
−HK$262/mo
Today · 4.125%
HK$8,818
baseline
▲ 0.50% · 4.625%
HK$9,354
+HK$536/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,636/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$9,231
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,479
−HK$251/mo
Today · 4.125%
HK$9,730
baseline
▲ 0.50% · 4.625%
HK$10,243
+HK$513/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,460/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$9,681
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,982
−HK$306/mo
Today · 4.125%
HK$10,288
baseline
▲ 0.50% · 4.625%
HK$10,914
+HK$626/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$20,576/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$10,769
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,058
−HK$293/mo
Today · 4.125%
HK$11,351
baseline
▲ 0.50% · 4.625%
HK$11,950
+HK$599/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$22,702/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$12,446
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,834
−HK$393/mo
Today · 4.125%
HK$13,227
baseline
▲ 0.50% · 4.625%
HK$14,032
+HK$805/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$26,454/mo (50% DSR)
Upfront cash ≈ HK$303K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,846
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,218
−HK$377/mo
Today · 4.125%
HK$14,595
baseline
▲ 0.50% · 4.625%
HK$15,364
+HK$769/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$29,190/mo (50% DSR)
Upfront cash ≈ HK$303K (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).