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$6,913
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,128
−HK$218/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$416/mo
▼ 0.25% · 3.875%
HK$7,897
−HK$209/mo
Today · 4.125%
HK$8,106
baseline
▲ 0.50% · 4.625%
HK$8,533
+HK$427/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,212/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$9,352
+HK$537/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$499/mo
▼ 0.25% · 3.875%
HK$9,476
−HK$251/mo
Today · 4.125%
HK$9,727
baseline
▲ 0.50% · 4.625%
HK$10,240
+HK$513/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,454/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$9,678
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,979
−HK$306/mo
Today · 4.125%
HK$10,285
baseline
▲ 0.50% · 4.625%
HK$10,910
+HK$625/mo
Deposit HK$909K · loan HK$2.12M · min. income ≈ HK$20,570/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$582/mo
▼ 0.25% · 3.875%
HK$11,055
−HK$293/mo
Today · 4.125%
HK$11,348
baseline
▲ 0.50% · 4.625%
HK$11,946
+HK$598/mo
Deposit HK$909K · loan HK$2.12M · min. income ≈ HK$22,696/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$12,443
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,830
−HK$393/mo
Today · 4.125%
HK$13,223
baseline
▲ 0.50% · 4.625%
HK$14,028
+HK$805/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$26,446/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$748/mo
▼ 0.25% · 3.875%
HK$14,214
−HK$376/mo
Today · 4.125%
HK$14,590
baseline
▲ 0.50% · 4.625%
HK$15,359
+HK$769/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$29,180/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).