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$6,955
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,171
−HK$220/mo
Today · 4.125%
HK$7,391
baseline
▲ 0.50% · 4.625%
HK$7,841
+HK$450/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,782/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$7,737
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,945
−HK$211/mo
Today · 4.125%
HK$8,156
baseline
▲ 0.50% · 4.625%
HK$8,585
+HK$429/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,312/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$8,346
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,606
−HK$264/mo
Today · 4.125%
HK$8,870
baseline
▲ 0.50% · 4.625%
HK$9,409
+HK$539/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,740/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$9,285
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,534
−HK$253/mo
Today · 4.125%
HK$9,787
baseline
▲ 0.50% · 4.625%
HK$10,302
+HK$515/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,574/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$9,737
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,040
−HK$308/mo
Today · 4.125%
HK$10,348
baseline
▲ 0.50% · 4.625%
HK$10,977
+HK$629/mo
Deposit HK$915K · loan HK$2.14M · min. income ≈ HK$20,696/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,832
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,123
−HK$295/mo
Today · 4.125%
HK$11,418
baseline
▲ 0.50% · 4.625%
HK$12,020
+HK$602/mo
Deposit HK$915K · loan HK$2.14M · min. income ≈ HK$22,836/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,519
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,909
−HK$395/mo
Today · 4.125%
HK$13,304
baseline
▲ 0.50% · 4.625%
HK$14,114
+HK$810/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$26,608/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$13,927
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,301
−HK$379/mo
Today · 4.125%
HK$14,680
baseline
▲ 0.50% · 4.625%
HK$15,454
+HK$774/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$29,360/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).