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$6,979
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,196
−HK$221/mo
Today · 4.125%
HK$7,417
baseline
▲ 0.50% · 4.625%
HK$7,868
+HK$451/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,834/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$7,764
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,972
−HK$211/mo
Today · 4.125%
HK$8,183
baseline
▲ 0.50% · 4.625%
HK$8,615
+HK$432/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,366/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$8,375
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,635
−HK$265/mo
Today · 4.125%
HK$8,900
baseline
▲ 0.50% · 4.625%
HK$9,441
+HK$541/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$17,800/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$9,317
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,567
−HK$253/mo
Today · 4.125%
HK$9,820
baseline
▲ 0.50% · 4.625%
HK$10,338
+HK$518/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$19,640/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$9,770
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,074
−HK$309/mo
Today · 4.125%
HK$10,383
baseline
▲ 0.50% · 4.625%
HK$11,015
+HK$632/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$20,766/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$10,870
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,161
−HK$296/mo
Today · 4.125%
HK$11,457
baseline
▲ 0.50% · 4.625%
HK$12,061
+HK$604/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$22,914/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$12,562
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,953
−HK$397/mo
Today · 4.125%
HK$13,350
baseline
▲ 0.50% · 4.625%
HK$14,162
+HK$812/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$26,700/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$13,975
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,350
−HK$380/mo
Today · 4.125%
HK$14,730
baseline
▲ 0.50% · 4.625%
HK$15,507
+HK$777/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,460/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).