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$6,968
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,185
−HK$220/mo
Today · 4.125%
HK$7,405
baseline
▲ 0.50% · 4.625%
HK$7,855
+HK$450/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,810/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$7,752
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,960
−HK$210/mo
Today · 4.125%
HK$8,170
baseline
▲ 0.50% · 4.625%
HK$8,601
+HK$431/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,340/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$8,361
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,622
−HK$264/mo
Today · 4.125%
HK$8,886
baseline
▲ 0.50% · 4.625%
HK$9,426
+HK$540/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,772/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$9,302
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,552
−HK$253/mo
Today · 4.125%
HK$9,805
baseline
▲ 0.50% · 4.625%
HK$10,321
+HK$516/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,610/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$9,755
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,058
−HK$309/mo
Today · 4.125%
HK$10,367
baseline
▲ 0.50% · 4.625%
HK$10,998
+HK$631/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$20,734/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,852
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,143
−HK$296/mo
Today · 4.125%
HK$11,439
baseline
▲ 0.50% · 4.625%
HK$12,042
+HK$603/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$22,878/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,542
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,932
−HK$397/mo
Today · 4.125%
HK$13,329
baseline
▲ 0.50% · 4.625%
HK$14,140
+HK$811/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$26,658/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$13,953
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,327
−HK$380/mo
Today · 4.125%
HK$14,707
baseline
▲ 0.50% · 4.625%
HK$15,482
+HK$775/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,414/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).