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$6,980
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,197
−HK$221/mo
Today · 4.125%
HK$7,418
baseline
▲ 0.50% · 4.625%
HK$7,869
+HK$451/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$7,765
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,974
−HK$211/mo
Today · 4.125%
HK$8,185
baseline
▲ 0.50% · 4.625%
HK$8,616
+HK$431/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$8,376
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,637
−HK$265/mo
Today · 4.125%
HK$8,902
baseline
▲ 0.50% · 4.625%
HK$9,443
+HK$541/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$9,318
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,568
−HK$254/mo
Today · 4.125%
HK$9,822
baseline
▲ 0.50% · 4.625%
HK$10,340
+HK$518/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$19,644/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$9,772
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,076
−HK$309/mo
Today · 4.125%
HK$10,385
baseline
▲ 0.50% · 4.625%
HK$11,017
+HK$632/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$20,770/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$10,872
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,163
−HK$296/mo
Today · 4.125%
HK$11,459
baseline
▲ 0.50% · 4.625%
HK$12,063
+HK$604/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$22,918/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$12,564
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,955
−HK$397/mo
Today · 4.125%
HK$13,352
baseline
▲ 0.50% · 4.625%
HK$14,165
+HK$813/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$26,704/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$13,978
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,353
−HK$380/mo
Today · 4.125%
HK$14,733
baseline
▲ 0.50% · 4.625%
HK$15,509
+HK$776/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$29,466/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).