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$6,965
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,181
−HK$221/mo
Today · 4.125%
HK$7,402
baseline
▲ 0.50% · 4.625%
HK$7,852
+HK$450/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,804/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$7,748
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,956
−HK$211/mo
Today · 4.125%
HK$8,167
baseline
▲ 0.50% · 4.625%
HK$8,597
+HK$430/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,334/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$8,358
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,618
−HK$264/mo
Today · 4.125%
HK$8,882
baseline
▲ 0.50% · 4.625%
HK$9,422
+HK$540/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,764/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$9,298
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,547
−HK$253/mo
Today · 4.125%
HK$9,800
baseline
▲ 0.50% · 4.625%
HK$10,317
+HK$517/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,600/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$9,751
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,054
−HK$308/mo
Today · 4.125%
HK$10,362
baseline
▲ 0.50% · 4.625%
HK$10,993
+HK$631/mo
Deposit HK$916K · loan HK$2.14M · min. income ≈ HK$20,724/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$10,848
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,138
−HK$296/mo
Today · 4.125%
HK$11,434
baseline
▲ 0.50% · 4.625%
HK$12,036
+HK$602/mo
Deposit HK$916K · loan HK$2.14M · min. income ≈ HK$22,868/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$12,537
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,927
−HK$396/mo
Today · 4.125%
HK$13,323
baseline
▲ 0.50% · 4.625%
HK$14,133
+HK$810/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$26,646/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$13,947
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,321
−HK$379/mo
Today · 4.125%
HK$14,700
baseline
▲ 0.50% · 4.625%
HK$15,475
+HK$775/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$29,400/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).