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$6,968
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,184
−HK$220/mo
Today · 4.125%
HK$7,404
baseline
▲ 0.50% · 4.625%
HK$7,855
+HK$451/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,808/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$7,751
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,959
−HK$211/mo
Today · 4.125%
HK$8,170
baseline
▲ 0.50% · 4.625%
HK$8,601
+HK$431/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,340/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$8,361
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,621
−HK$264/mo
Today · 4.125%
HK$8,885
baseline
▲ 0.50% · 4.625%
HK$9,426
+HK$541/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,770/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$9,302
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,551
−HK$253/mo
Today · 4.125%
HK$9,804
baseline
▲ 0.50% · 4.625%
HK$10,321
+HK$517/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,608/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$9,755
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,058
−HK$308/mo
Today · 4.125%
HK$10,366
baseline
▲ 0.50% · 4.625%
HK$10,997
+HK$631/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$20,732/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$10,852
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,143
−HK$295/mo
Today · 4.125%
HK$11,438
baseline
▲ 0.50% · 4.625%
HK$12,041
+HK$603/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$22,876/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$12,542
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,932
−HK$396/mo
Today · 4.125%
HK$13,328
baseline
▲ 0.50% · 4.625%
HK$14,139
+HK$811/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$26,656/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$13,952
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,327
−HK$379/mo
Today · 4.125%
HK$14,706
baseline
▲ 0.50% · 4.625%
HK$15,481
+HK$775/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,412/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).