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$6,943
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,159
−HK$219/mo
Today · 4.125%
HK$7,378
baseline
▲ 0.50% · 4.625%
HK$7,827
+HK$449/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,756/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$7,724
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,931
−HK$210/mo
Today · 4.125%
HK$8,141
baseline
▲ 0.50% · 4.625%
HK$8,571
+HK$430/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,282/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$8,332
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,591
−HK$263/mo
Today · 4.125%
HK$8,854
baseline
▲ 0.50% · 4.625%
HK$9,393
+HK$539/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,708/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$9,269
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,517
−HK$253/mo
Today · 4.125%
HK$9,770
baseline
▲ 0.50% · 4.625%
HK$10,285
+HK$515/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,540/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$9,720
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,023
−HK$307/mo
Today · 4.125%
HK$10,330
baseline
▲ 0.50% · 4.625%
HK$10,958
+HK$628/mo
Deposit HK$913K · loan HK$2.13M · min. income ≈ HK$20,660/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,814
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,104
−HK$294/mo
Today · 4.125%
HK$11,398
baseline
▲ 0.50% · 4.625%
HK$11,999
+HK$601/mo
Deposit HK$913K · loan HK$2.13M · min. income ≈ HK$22,796/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,497
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,886
−HK$395/mo
Today · 4.125%
HK$13,281
baseline
▲ 0.50% · 4.625%
HK$14,089
+HK$808/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$26,562/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$13,903
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,276
−HK$378/mo
Today · 4.125%
HK$14,654
baseline
▲ 0.50% · 4.625%
HK$15,427
+HK$773/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$29,308/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).