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$6,912
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,127
−HK$219/mo
Today · 4.125%
HK$7,346
baseline
▲ 0.50% · 4.625%
HK$7,793
+HK$447/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,692/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$7,690
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,896
−HK$209/mo
Today · 4.125%
HK$8,105
baseline
▲ 0.50% · 4.625%
HK$8,532
+HK$427/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,210/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$8,295
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,553
−HK$262/mo
Today · 4.125%
HK$8,815
baseline
▲ 0.50% · 4.625%
HK$9,351
+HK$536/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,630/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$9,228
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,475
−HK$251/mo
Today · 4.125%
HK$9,726
baseline
▲ 0.50% · 4.625%
HK$10,239
+HK$513/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,452/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$9,677
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,978
−HK$306/mo
Today · 4.125%
HK$10,284
baseline
▲ 0.50% · 4.625%
HK$10,910
+HK$626/mo
Deposit HK$909K · loan HK$2.12M · min. income ≈ HK$20,568/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$10,766
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,054
−HK$293/mo
Today · 4.125%
HK$11,347
baseline
▲ 0.50% · 4.625%
HK$11,945
+HK$598/mo
Deposit HK$909K · loan HK$2.12M · min. income ≈ HK$22,694/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$12,442
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,829
−HK$393/mo
Today · 4.125%
HK$13,222
baseline
▲ 0.50% · 4.625%
HK$14,027
+HK$805/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$26,444/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$13,842
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,213
−HK$376/mo
Today · 4.125%
HK$14,589
baseline
▲ 0.50% · 4.625%
HK$15,358
+HK$769/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$29,178/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).