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$6,973
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,190
−HK$220/mo
Today · 4.125%
HK$7,410
baseline
▲ 0.50% · 4.625%
HK$7,861
+HK$451/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$9,762
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,065
−HK$309/mo
Today · 4.125%
HK$10,374
baseline
▲ 0.50% · 4.625%
HK$11,005
+HK$631/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$20,748/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$10,860
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,151
−HK$295/mo
Today · 4.125%
HK$11,446
baseline
▲ 0.50% · 4.625%
HK$12,050
+HK$604/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$12,551
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,941
−HK$397/mo
Today · 4.125%
HK$13,338
baseline
▲ 0.50% · 4.625%
HK$14,149
+HK$811/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$26,676/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$13,963
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,337
−HK$380/mo
Today · 4.125%
HK$14,717
baseline
▲ 0.50% · 4.625%
HK$15,493
+HK$776/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,434/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).