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$6,966
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,183
−HK$220/mo
Today · 4.125%
HK$7,403
baseline
▲ 0.50% · 4.625%
HK$7,853
+HK$450/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,806/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$7,750
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,958
−HK$210/mo
Today · 4.125%
HK$8,168
baseline
▲ 0.50% · 4.625%
HK$8,599
+HK$431/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$8,359
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,619
−HK$264/mo
Today · 4.125%
HK$8,883
baseline
▲ 0.50% · 4.625%
HK$9,424
+HK$541/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$9,300
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,549
−HK$253/mo
Today · 4.125%
HK$9,802
baseline
▲ 0.50% · 4.625%
HK$10,319
+HK$517/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,604/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$612/mo
▼ 0.25% · 3.875%
HK$10,056
−HK$308/mo
Today · 4.125%
HK$10,364
baseline
▲ 0.50% · 4.625%
HK$10,995
+HK$631/mo
Deposit HK$916K · loan HK$2.14M · min. income ≈ HK$20,728/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$10,850
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,141
−HK$295/mo
Today · 4.125%
HK$11,436
baseline
▲ 0.50% · 4.625%
HK$12,039
+HK$603/mo
Deposit HK$916K · loan HK$2.14M · min. income ≈ HK$22,872/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$12,539
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,929
−HK$396/mo
Today · 4.125%
HK$13,325
baseline
▲ 0.50% · 4.625%
HK$14,136
+HK$811/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$26,650/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$13,949
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,324
−HK$379/mo
Today · 4.125%
HK$14,703
baseline
▲ 0.50% · 4.625%
HK$15,478
+HK$775/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$29,406/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).