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$434/mo
▼ 0.25% · 3.875%
HK$7,130
−HK$219/mo
Today · 4.125%
HK$7,349
baseline
▲ 0.50% · 4.625%
HK$7,796
+HK$447/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,698/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$7,693
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,899
−HK$210/mo
Today · 4.125%
HK$8,109
baseline
▲ 0.50% · 4.625%
HK$8,536
+HK$427/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,218/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$521/mo
▼ 0.25% · 3.875%
HK$8,556
−HK$263/mo
Today · 4.125%
HK$8,819
baseline
▲ 0.50% · 4.625%
HK$9,355
+HK$536/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,638/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$9,232
−HK$498/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$10,770
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,059
−HK$293/mo
Today · 4.125%
HK$11,352
baseline
▲ 0.50% · 4.625%
HK$11,951
+HK$599/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$22,704/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$12,447
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,835
−HK$393/mo
Today · 4.125%
HK$13,228
baseline
▲ 0.50% · 4.625%
HK$14,033
+HK$805/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$26,456/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$13,848
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,219
−HK$377/mo
Today · 4.125%
HK$14,596
baseline
▲ 0.50% · 4.625%
HK$15,365
+HK$769/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$29,192/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).