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$6,951
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,167
−HK$220/mo
Today · 4.125%
HK$7,387
baseline
▲ 0.50% · 4.625%
HK$7,836
+HK$449/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,774/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$7,733
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,940
−HK$211/mo
Today · 4.125%
HK$8,151
baseline
▲ 0.50% · 4.625%
HK$8,580
+HK$429/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,302/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$8,341
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,601
−HK$263/mo
Today · 4.125%
HK$8,864
baseline
▲ 0.50% · 4.625%
HK$9,404
+HK$540/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,728/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$9,280
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,528
−HK$253/mo
Today · 4.125%
HK$9,781
baseline
▲ 0.50% · 4.625%
HK$10,297
+HK$516/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,562/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$9,731
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,034
−HK$308/mo
Today · 4.125%
HK$10,342
baseline
▲ 0.50% · 4.625%
HK$10,971
+HK$629/mo
Deposit HK$915K · loan HK$2.13M · min. income ≈ HK$20,684/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,826
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,117
−HK$294/mo
Today · 4.125%
HK$11,411
baseline
▲ 0.50% · 4.625%
HK$12,013
+HK$602/mo
Deposit HK$915K · loan HK$2.13M · min. income ≈ HK$22,822/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,512
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,901
−HK$396/mo
Today · 4.125%
HK$13,297
baseline
▲ 0.50% · 4.625%
HK$14,106
+HK$809/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$26,594/mo (50% DSR)
Upfront cash ≈ HK$305K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,919
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,293
−HK$378/mo
Today · 4.125%
HK$14,671
baseline
▲ 0.50% · 4.625%
HK$15,445
+HK$774/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$29,342/mo (50% DSR)
Upfront cash ≈ HK$305K (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).