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$6,981
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,198
−HK$220/mo
Today · 4.125%
HK$7,418
baseline
▲ 0.50% · 4.625%
HK$7,870
+HK$452/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,836/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$7,766
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,974
−HK$211/mo
Today · 4.125%
HK$8,185
baseline
▲ 0.50% · 4.625%
HK$8,617
+HK$432/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,370/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$8,377
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,637
−HK$265/mo
Today · 4.125%
HK$8,902
baseline
▲ 0.50% · 4.625%
HK$9,444
+HK$542/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$17,804/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$9,319
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,569
−HK$254/mo
Today · 4.125%
HK$9,823
baseline
▲ 0.50% · 4.625%
HK$10,340
+HK$517/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$19,646/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$9,773
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,077
−HK$309/mo
Today · 4.125%
HK$10,386
baseline
▲ 0.50% · 4.625%
HK$11,018
+HK$632/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$20,772/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$10,872
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,164
−HK$296/mo
Today · 4.125%
HK$11,460
baseline
▲ 0.50% · 4.625%
HK$12,064
+HK$604/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$22,920/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$12,565
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,956
−HK$397/mo
Today · 4.125%
HK$13,353
baseline
▲ 0.50% · 4.625%
HK$14,166
+HK$813/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$26,706/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$13,979
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,354
−HK$380/mo
Today · 4.125%
HK$14,734
baseline
▲ 0.50% · 4.625%
HK$15,510
+HK$776/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$29,468/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).