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$6,982
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,200
−HK$220/mo
Today · 4.125%
HK$7,420
baseline
▲ 0.50% · 4.625%
HK$7,872
+HK$452/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,840/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$7,768
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,976
−HK$212/mo
Today · 4.125%
HK$8,188
baseline
▲ 0.50% · 4.625%
HK$8,619
+HK$431/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,376/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$8,379
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,640
−HK$264/mo
Today · 4.125%
HK$8,904
baseline
▲ 0.50% · 4.625%
HK$9,446
+HK$542/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$17,808/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$9,322
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,572
−HK$253/mo
Today · 4.125%
HK$9,825
baseline
▲ 0.50% · 4.625%
HK$10,343
+HK$518/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$19,650/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$9,775
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,080
−HK$308/mo
Today · 4.125%
HK$10,388
baseline
▲ 0.50% · 4.625%
HK$11,021
+HK$633/mo
Deposit HK$919K · loan HK$2.14M · min. income ≈ HK$20,776/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,875
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,167
−HK$296/mo
Today · 4.125%
HK$11,463
baseline
▲ 0.50% · 4.625%
HK$12,067
+HK$604/mo
Deposit HK$919K · loan HK$2.14M · min. income ≈ HK$22,926/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,568
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,959
−HK$398/mo
Today · 4.125%
HK$13,357
baseline
▲ 0.50% · 4.625%
HK$14,169
+HK$812/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$26,714/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$13,982
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,357
−HK$381/mo
Today · 4.125%
HK$14,738
baseline
▲ 0.50% · 4.625%
HK$15,515
+HK$777/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$29,476/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).