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$6,988
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,206
−HK$220/mo
Today · 4.125%
HK$7,426
baseline
▲ 0.50% · 4.625%
HK$7,878
+HK$452/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,852/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$7,774
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,983
−HK$211/mo
Today · 4.125%
HK$8,194
baseline
▲ 0.50% · 4.625%
HK$8,626
+HK$432/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,388/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$8,386
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,647
−HK$265/mo
Today · 4.125%
HK$8,912
baseline
▲ 0.50% · 4.625%
HK$9,454
+HK$542/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,824/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$9,329
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,579
−HK$254/mo
Today · 4.125%
HK$9,833
baseline
▲ 0.50% · 4.625%
HK$10,352
+HK$519/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,666/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$9,783
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,088
−HK$309/mo
Today · 4.125%
HK$10,397
baseline
▲ 0.50% · 4.625%
HK$11,030
+HK$633/mo
Deposit HK$919K · loan HK$2.15M · min. income ≈ HK$20,794/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$10,884
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,176
−HK$296/mo
Today · 4.125%
HK$11,472
baseline
▲ 0.50% · 4.625%
HK$12,077
+HK$605/mo
Deposit HK$919K · loan HK$2.15M · min. income ≈ HK$22,944/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$12,579
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,970
−HK$398/mo
Today · 4.125%
HK$13,368
baseline
▲ 0.50% · 4.625%
HK$14,181
+HK$813/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$26,736/mo (50% DSR)
Upfront cash ≈ HK$307K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,994
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,369
−HK$381/mo
Today · 4.125%
HK$14,750
baseline
▲ 0.50% · 4.625%
HK$15,527
+HK$777/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$29,500/mo (50% DSR)
Upfront cash ≈ HK$307K (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).