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$6,983
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,200
−HK$221/mo
Today · 4.125%
HK$7,421
baseline
▲ 0.50% · 4.625%
HK$7,873
+HK$452/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,842/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,769
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,977
−HK$211/mo
Today · 4.125%
HK$8,188
baseline
▲ 0.50% · 4.625%
HK$8,620
+HK$432/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,376/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,380
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,640
−HK$265/mo
Today · 4.125%
HK$8,905
baseline
▲ 0.50% · 4.625%
HK$9,447
+HK$542/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$17,810/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,322
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,572
−HK$254/mo
Today · 4.125%
HK$9,826
baseline
▲ 0.50% · 4.625%
HK$10,344
+HK$518/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$19,652/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,776
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,081
−HK$309/mo
Today · 4.125%
HK$10,390
baseline
▲ 0.50% · 4.625%
HK$11,022
+HK$632/mo
Deposit HK$919K · loan HK$2.14M · min. income ≈ HK$20,780/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,876
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,168
−HK$296/mo
Today · 4.125%
HK$11,464
baseline
▲ 0.50% · 4.625%
HK$12,068
+HK$604/mo
Deposit HK$919K · loan HK$2.14M · min. income ≈ HK$22,928/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,570
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,961
−HK$397/mo
Today · 4.125%
HK$13,358
baseline
▲ 0.50% · 4.625%
HK$14,171
+HK$813/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$26,716/mo (50% DSR)
Upfront cash ≈ HK$306K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,984
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,359
−HK$380/mo
Today · 4.125%
HK$14,739
baseline
▲ 0.50% · 4.625%
HK$15,516
+HK$777/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$29,478/mo (50% DSR)
Upfront cash ≈ HK$306K (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).