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$6,970
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,187
−HK$220/mo
Today · 4.125%
HK$7,407
baseline
▲ 0.50% · 4.625%
HK$7,858
+HK$451/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,814/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$7,754
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,962
−HK$211/mo
Today · 4.125%
HK$8,173
baseline
▲ 0.50% · 4.625%
HK$8,604
+HK$431/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,346/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$8,364
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,624
−HK$265/mo
Today · 4.125%
HK$8,889
baseline
▲ 0.50% · 4.625%
HK$9,429
+HK$540/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,778/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$9,305
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,555
−HK$253/mo
Today · 4.125%
HK$9,808
baseline
▲ 0.50% · 4.625%
HK$10,325
+HK$517/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,616/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$9,758
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,062
−HK$308/mo
Today · 4.125%
HK$10,370
baseline
▲ 0.50% · 4.625%
HK$11,001
+HK$631/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$20,740/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$10,856
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,147
−HK$295/mo
Today · 4.125%
HK$11,442
baseline
▲ 0.50% · 4.625%
HK$12,045
+HK$603/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$22,884/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$12,546
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,936
−HK$397/mo
Today · 4.125%
HK$13,333
baseline
▲ 0.50% · 4.625%
HK$14,144
+HK$811/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$26,666/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$13,958
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,332
−HK$380/mo
Today · 4.125%
HK$14,712
baseline
▲ 0.50% · 4.625%
HK$15,487
+HK$775/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,424/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).