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$6,920
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,136
−HK$218/mo
Today · 4.125%
HK$7,354
baseline
▲ 0.50% · 4.625%
HK$7,802
+HK$448/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,708/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$7,699
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,905
−HK$210/mo
Today · 4.125%
HK$8,115
baseline
▲ 0.50% · 4.625%
HK$8,542
+HK$427/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,230/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$8,304
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,563
−HK$262/mo
Today · 4.125%
HK$8,825
baseline
▲ 0.50% · 4.625%
HK$9,362
+HK$537/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,650/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$9,238
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,486
−HK$252/mo
Today · 4.125%
HK$9,738
baseline
▲ 0.50% · 4.625%
HK$10,251
+HK$513/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,476/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$9,688
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,990
−HK$306/mo
Today · 4.125%
HK$10,296
baseline
▲ 0.50% · 4.625%
HK$10,922
+HK$626/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$20,592/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,778
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,067
−HK$294/mo
Today · 4.125%
HK$11,361
baseline
▲ 0.50% · 4.625%
HK$11,959
+HK$598/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$22,722/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,456
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,844
−HK$394/mo
Today · 4.125%
HK$13,238
baseline
▲ 0.50% · 4.625%
HK$14,043
+HK$805/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$26,476/mo (50% DSR)
Upfront cash ≈ HK$304K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,858
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,229
−HK$377/mo
Today · 4.125%
HK$14,606
baseline
▲ 0.50% · 4.625%
HK$15,376
+HK$770/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$29,212/mo (50% DSR)
Upfront cash ≈ HK$304K (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).