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$6,911
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,126
−HK$218/mo
Today · 4.125%
HK$7,344
baseline
▲ 0.50% · 4.625%
HK$7,791
+HK$447/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,688/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$7,688
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,894
−HK$210/mo
Today · 4.125%
HK$8,104
baseline
▲ 0.50% · 4.625%
HK$8,531
+HK$427/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,208/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$8,293
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,551
−HK$262/mo
Today · 4.125%
HK$8,813
baseline
▲ 0.50% · 4.625%
HK$9,349
+HK$536/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,626/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$9,226
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,473
−HK$251/mo
Today · 4.125%
HK$9,724
baseline
▲ 0.50% · 4.625%
HK$10,237
+HK$513/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,448/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$9,675
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,976
−HK$306/mo
Today · 4.125%
HK$10,282
baseline
▲ 0.50% · 4.625%
HK$10,908
+HK$626/mo
Deposit HK$909K · loan HK$2.12M · min. income ≈ HK$20,564/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,764
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,052
−HK$293/mo
Today · 4.125%
HK$11,345
baseline
▲ 0.50% · 4.625%
HK$11,943
+HK$598/mo
Deposit HK$909K · loan HK$2.12M · min. income ≈ HK$22,690/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,440
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,827
−HK$393/mo
Today · 4.125%
HK$13,220
baseline
▲ 0.50% · 4.625%
HK$14,024
+HK$804/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$26,440/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$13,839
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,210
−HK$377/mo
Today · 4.125%
HK$14,587
baseline
▲ 0.50% · 4.625%
HK$15,355
+HK$768/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$29,174/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).