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$6,963
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,180
−HK$220/mo
Today · 4.125%
HK$7,400
baseline
▲ 0.50% · 4.625%
HK$7,850
+HK$450/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,800/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$7,747
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,954
−HK$211/mo
Today · 4.125%
HK$8,165
baseline
▲ 0.50% · 4.625%
HK$8,596
+HK$431/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,330/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$8,356
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,616
−HK$264/mo
Today · 4.125%
HK$8,880
baseline
▲ 0.50% · 4.625%
HK$9,420
+HK$540/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,760/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$9,296
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,545
−HK$253/mo
Today · 4.125%
HK$9,798
baseline
▲ 0.50% · 4.625%
HK$10,315
+HK$517/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,596/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$9,749
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,052
−HK$308/mo
Today · 4.125%
HK$10,360
baseline
▲ 0.50% · 4.625%
HK$10,990
+HK$630/mo
Deposit HK$916K · loan HK$2.14M · min. income ≈ HK$20,720/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,845
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,136
−HK$295/mo
Today · 4.125%
HK$11,431
baseline
▲ 0.50% · 4.625%
HK$12,034
+HK$603/mo
Deposit HK$916K · loan HK$2.14M · min. income ≈ HK$22,862/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,534
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,924
−HK$396/mo
Today · 4.125%
HK$13,320
baseline
▲ 0.50% · 4.625%
HK$14,131
+HK$811/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$26,640/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$13,944
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,318
−HK$379/mo
Today · 4.125%
HK$14,697
baseline
▲ 0.50% · 4.625%
HK$15,472
+HK$775/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$29,394/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).