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$438/mo
▼ 0.25% · 3.875%
HK$7,196
−HK$221/mo
Today · 4.125%
HK$7,417
baseline
▲ 0.50% · 4.625%
HK$7,868
+HK$451/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,834/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$420/mo
▼ 0.25% · 3.875%
HK$7,973
−HK$211/mo
Today · 4.125%
HK$8,184
baseline
▲ 0.50% · 4.625%
HK$8,615
+HK$431/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,368/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$8,375
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,636
−HK$264/mo
Today · 4.125%
HK$8,900
baseline
▲ 0.50% · 4.625%
HK$9,442
+HK$542/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$9,317
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,567
−HK$254/mo
Today · 4.125%
HK$9,821
baseline
▲ 0.50% · 4.625%
HK$10,338
+HK$517/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$19,642/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$9,771
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,075
−HK$309/mo
Today · 4.125%
HK$10,384
baseline
▲ 0.50% · 4.625%
HK$11,016
+HK$632/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$20,768/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$10,870
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,162
−HK$296/mo
Today · 4.125%
HK$11,458
baseline
▲ 0.50% · 4.625%
HK$12,062
+HK$604/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$22,916/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$12,563
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,954
−HK$397/mo
Today · 4.125%
HK$13,351
baseline
▲ 0.50% · 4.625%
HK$14,163
+HK$812/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$26,702/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$13,976
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,351
−HK$380/mo
Today · 4.125%
HK$14,731
baseline
▲ 0.50% · 4.625%
HK$15,508
+HK$777/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,462/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).