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$6,979
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,196
−HK$220/mo
Today · 4.125%
HK$7,416
baseline
▲ 0.50% · 4.625%
HK$7,868
+HK$452/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,832/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$7,764
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,972
−HK$211/mo
Today · 4.125%
HK$8,183
baseline
▲ 0.50% · 4.625%
HK$8,615
+HK$432/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,366/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$8,374
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,635
−HK$265/mo
Today · 4.125%
HK$8,900
baseline
▲ 0.50% · 4.625%
HK$9,441
+HK$541/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$17,800/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$9,316
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,566
−HK$254/mo
Today · 4.125%
HK$9,820
baseline
▲ 0.50% · 4.625%
HK$10,337
+HK$517/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$19,640/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$9,770
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,074
−HK$309/mo
Today · 4.125%
HK$10,383
baseline
▲ 0.50% · 4.625%
HK$11,015
+HK$632/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$20,766/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,869
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,161
−HK$295/mo
Today · 4.125%
HK$11,456
baseline
▲ 0.50% · 4.625%
HK$12,060
+HK$604/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$22,912/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,562
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,952
−HK$397/mo
Today · 4.125%
HK$13,349
baseline
▲ 0.50% · 4.625%
HK$14,162
+HK$813/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$26,698/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$13,975
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,349
−HK$381/mo
Today · 4.125%
HK$14,730
baseline
▲ 0.50% · 4.625%
HK$15,506
+HK$776/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,460/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).