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$6,965
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,182
−HK$220/mo
Today · 4.125%
HK$7,402
baseline
▲ 0.50% · 4.625%
HK$7,853
+HK$451/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,804/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$7,749
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,957
−HK$211/mo
Today · 4.125%
HK$8,168
baseline
▲ 0.50% · 4.625%
HK$8,598
+HK$430/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,336/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$8,358
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,618
−HK$265/mo
Today · 4.125%
HK$8,883
baseline
▲ 0.50% · 4.625%
HK$9,423
+HK$540/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,766/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$9,299
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,548
−HK$253/mo
Today · 4.125%
HK$9,801
baseline
▲ 0.50% · 4.625%
HK$10,318
+HK$517/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,602/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$9,752
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,055
−HK$308/mo
Today · 4.125%
HK$10,363
baseline
▲ 0.50% · 4.625%
HK$10,994
+HK$631/mo
Deposit HK$916K · loan HK$2.14M · min. income ≈ HK$20,726/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$10,849
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,139
−HK$296/mo
Today · 4.125%
HK$11,435
baseline
▲ 0.50% · 4.625%
HK$12,037
+HK$602/mo
Deposit HK$916K · loan HK$2.14M · min. income ≈ HK$22,870/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$12,538
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,928
−HK$396/mo
Today · 4.125%
HK$13,324
baseline
▲ 0.50% · 4.625%
HK$14,135
+HK$811/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$26,648/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$13,948
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,322
−HK$380/mo
Today · 4.125%
HK$14,702
baseline
▲ 0.50% · 4.625%
HK$15,477
+HK$775/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$29,404/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).