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$6,969
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,186
−HK$220/mo
Today · 4.125%
HK$7,406
baseline
▲ 0.50% · 4.625%
HK$7,857
+HK$451/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,812/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$7,753
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,961
−HK$211/mo
Today · 4.125%
HK$8,172
baseline
▲ 0.50% · 4.625%
HK$8,603
+HK$431/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,344/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$8,363
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,623
−HK$264/mo
Today · 4.125%
HK$8,887
baseline
▲ 0.50% · 4.625%
HK$9,428
+HK$541/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,774/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$9,304
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,553
−HK$253/mo
Today · 4.125%
HK$9,806
baseline
▲ 0.50% · 4.625%
HK$10,323
+HK$517/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,612/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$9,757
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,060
−HK$308/mo
Today · 4.125%
HK$10,368
baseline
▲ 0.50% · 4.625%
HK$10,999
+HK$631/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$20,736/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$10,854
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,145
−HK$296/mo
Today · 4.125%
HK$11,441
baseline
▲ 0.50% · 4.625%
HK$12,044
+HK$603/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$22,882/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$12,544
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,934
−HK$397/mo
Today · 4.125%
HK$13,331
baseline
▲ 0.50% · 4.625%
HK$14,142
+HK$811/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$26,662/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$13,955
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,330
−HK$379/mo
Today · 4.125%
HK$14,709
baseline
▲ 0.50% · 4.625%
HK$15,485
+HK$776/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,418/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).