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$6,977
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,194
−HK$220/mo
Today · 4.125%
HK$7,414
baseline
▲ 0.50% · 4.625%
HK$7,866
+HK$452/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,828/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$7,762
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,970
−HK$211/mo
Today · 4.125%
HK$8,181
baseline
▲ 0.50% · 4.625%
HK$8,612
+HK$431/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,362/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$8,372
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,633
−HK$264/mo
Today · 4.125%
HK$8,897
baseline
▲ 0.50% · 4.625%
HK$9,439
+HK$542/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$17,794/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$9,314
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,564
−HK$253/mo
Today · 4.125%
HK$9,817
baseline
▲ 0.50% · 4.625%
HK$10,335
+HK$518/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$19,634/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$9,768
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,071
−HK$309/mo
Today · 4.125%
HK$10,380
baseline
▲ 0.50% · 4.625%
HK$11,012
+HK$632/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$20,760/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$10,866
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,158
−HK$295/mo
Today · 4.125%
HK$11,453
baseline
▲ 0.50% · 4.625%
HK$12,057
+HK$604/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$22,906/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$12,558
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,949
−HK$397/mo
Today · 4.125%
HK$13,346
baseline
▲ 0.50% · 4.625%
HK$14,158
+HK$812/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$26,692/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$13,971
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,346
−HK$380/mo
Today · 4.125%
HK$14,726
baseline
▲ 0.50% · 4.625%
HK$15,502
+HK$776/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,452/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).