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$6,972
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,189
−HK$221/mo
Today · 4.125%
HK$7,410
baseline
▲ 0.50% · 4.625%
HK$7,860
+HK$450/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,820/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$7,757
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,965
−HK$211/mo
Today · 4.125%
HK$8,176
baseline
▲ 0.50% · 4.625%
HK$8,607
+HK$431/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,352/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$8,367
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,627
−HK$265/mo
Today · 4.125%
HK$8,892
baseline
▲ 0.50% · 4.625%
HK$9,433
+HK$541/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,784/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$9,308
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,558
−HK$253/mo
Today · 4.125%
HK$9,811
baseline
▲ 0.50% · 4.625%
HK$10,328
+HK$517/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,622/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$9,761
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,065
−HK$308/mo
Today · 4.125%
HK$10,373
baseline
▲ 0.50% · 4.625%
HK$11,005
+HK$632/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$20,746/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$10,859
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,151
−HK$295/mo
Today · 4.125%
HK$11,446
baseline
▲ 0.50% · 4.625%
HK$12,049
+HK$603/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$22,892/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$12,550
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,941
−HK$396/mo
Today · 4.125%
HK$13,337
baseline
▲ 0.50% · 4.625%
HK$14,149
+HK$812/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$26,674/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$13,962
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,337
−HK$379/mo
Today · 4.125%
HK$14,716
baseline
▲ 0.50% · 4.625%
HK$15,492
+HK$776/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,432/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).