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$6,950
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,166
−HK$220/mo
Today · 4.125%
HK$7,386
baseline
▲ 0.50% · 4.625%
HK$7,836
+HK$450/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,772/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$7,732
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,939
−HK$211/mo
Today · 4.125%
HK$8,150
baseline
▲ 0.50% · 4.625%
HK$8,579
+HK$429/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,300/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$8,340
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,600
−HK$263/mo
Today · 4.125%
HK$8,863
baseline
▲ 0.50% · 4.625%
HK$9,403
+HK$540/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,726/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$9,278
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,527
−HK$253/mo
Today · 4.125%
HK$9,780
baseline
▲ 0.50% · 4.625%
HK$10,295
+HK$515/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,560/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$9,730
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,033
−HK$308/mo
Today · 4.125%
HK$10,341
baseline
▲ 0.50% · 4.625%
HK$10,970
+HK$629/mo
Deposit HK$914K · loan HK$2.13M · min. income ≈ HK$20,682/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$10,825
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,115
−HK$295/mo
Today · 4.125%
HK$11,410
baseline
▲ 0.50% · 4.625%
HK$12,011
+HK$601/mo
Deposit HK$914K · loan HK$2.13M · min. income ≈ HK$22,820/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$12,510
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,900
−HK$395/mo
Today · 4.125%
HK$13,295
baseline
▲ 0.50% · 4.625%
HK$14,104
+HK$809/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$26,590/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$13,918
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,291
−HK$379/mo
Today · 4.125%
HK$14,670
baseline
▲ 0.50% · 4.625%
HK$15,443
+HK$773/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$29,340/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).