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$6,931
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,146
−HK$219/mo
Today · 4.125%
HK$7,365
baseline
▲ 0.50% · 4.625%
HK$7,813
+HK$448/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,730/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$7,710
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,917
−HK$210/mo
Today · 4.125%
HK$8,127
baseline
▲ 0.50% · 4.625%
HK$8,555
+HK$428/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,254/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$8,317
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,575
−HK$263/mo
Today · 4.125%
HK$8,838
baseline
▲ 0.50% · 4.625%
HK$9,376
+HK$538/mo
Deposit HK$1.22M · loan HK$1.82M · min. income ≈ HK$17,676/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$9,252
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,500
−HK$252/mo
Today · 4.125%
HK$9,752
baseline
▲ 0.50% · 4.625%
HK$10,266
+HK$514/mo
Deposit HK$1.22M · loan HK$1.82M · min. income ≈ HK$19,504/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$9,703
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,005
−HK$306/mo
Today · 4.125%
HK$10,311
baseline
▲ 0.50% · 4.625%
HK$10,939
+HK$628/mo
Deposit HK$912K · loan HK$2.13M · min. income ≈ HK$20,622/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,794
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,084
−HK$294/mo
Today · 4.125%
HK$11,378
baseline
▲ 0.50% · 4.625%
HK$11,977
+HK$599/mo
Deposit HK$912K · loan HK$2.13M · min. income ≈ HK$22,756/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,475
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,863
−HK$394/mo
Today · 4.125%
HK$13,257
baseline
▲ 0.50% · 4.625%
HK$14,064
+HK$807/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$26,514/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$13,878
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,251
−HK$377/mo
Today · 4.125%
HK$14,628
baseline
▲ 0.50% · 4.625%
HK$15,399
+HK$771/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$29,256/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).