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$6,960
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,177
−HK$220/mo
Today · 4.125%
HK$7,397
baseline
▲ 0.50% · 4.625%
HK$7,847
+HK$450/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,794/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$7,743
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,951
−HK$211/mo
Today · 4.125%
HK$8,162
baseline
▲ 0.50% · 4.625%
HK$8,592
+HK$430/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,324/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$8,352
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,612
−HK$264/mo
Today · 4.125%
HK$8,876
baseline
▲ 0.50% · 4.625%
HK$9,416
+HK$540/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,752/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$9,292
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,541
−HK$253/mo
Today · 4.125%
HK$9,794
baseline
▲ 0.50% · 4.625%
HK$10,310
+HK$516/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,588/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$9,745
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,048
−HK$308/mo
Today · 4.125%
HK$10,356
baseline
▲ 0.50% · 4.625%
HK$10,986
+HK$630/mo
Deposit HK$916K · loan HK$2.14M · min. income ≈ HK$20,712/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,841
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,131
−HK$295/mo
Today · 4.125%
HK$11,426
baseline
▲ 0.50% · 4.625%
HK$12,029
+HK$603/mo
Deposit HK$916K · loan HK$2.14M · min. income ≈ HK$22,852/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,529
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,918
−HK$396/mo
Today · 4.125%
HK$13,314
baseline
▲ 0.50% · 4.625%
HK$14,125
+HK$811/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$26,628/mo (50% DSR)
Upfront cash ≈ HK$305K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,938
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,312
−HK$379/mo
Today · 4.125%
HK$14,691
baseline
▲ 0.50% · 4.625%
HK$15,465
+HK$774/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$29,382/mo (50% DSR)
Upfront cash ≈ HK$305K (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).