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$6,967
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,184
−HK$220/mo
Today · 4.125%
HK$7,404
baseline
▲ 0.50% · 4.625%
HK$7,854
+HK$450/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,808/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$7,751
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,958
−HK$211/mo
Today · 4.125%
HK$8,169
baseline
▲ 0.50% · 4.625%
HK$8,600
+HK$431/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,338/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$8,360
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,620
−HK$264/mo
Today · 4.125%
HK$8,884
baseline
▲ 0.50% · 4.625%
HK$9,425
+HK$541/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,768/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$9,301
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,550
−HK$253/mo
Today · 4.125%
HK$9,803
baseline
▲ 0.50% · 4.625%
HK$10,320
+HK$517/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,606/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$9,754
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,057
−HK$308/mo
Today · 4.125%
HK$10,365
baseline
▲ 0.50% · 4.625%
HK$10,996
+HK$631/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$20,730/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$10,851
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,142
−HK$295/mo
Today · 4.125%
HK$11,437
baseline
▲ 0.50% · 4.625%
HK$12,040
+HK$603/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$22,874/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$12,540
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,930
−HK$397/mo
Today · 4.125%
HK$13,327
baseline
▲ 0.50% · 4.625%
HK$14,138
+HK$811/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$26,654/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$13,951
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,325
−HK$380/mo
Today · 4.125%
HK$14,705
baseline
▲ 0.50% · 4.625%
HK$15,480
+HK$775/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,410/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).