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$6,962
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,179
−HK$220/mo
Today · 4.125%
HK$7,399
baseline
▲ 0.50% · 4.625%
HK$7,849
+HK$450/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,798/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$7,746
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,953
−HK$211/mo
Today · 4.125%
HK$8,164
baseline
▲ 0.50% · 4.625%
HK$8,594
+HK$430/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,328/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$8,355
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,615
−HK$264/mo
Today · 4.125%
HK$8,879
baseline
▲ 0.50% · 4.625%
HK$9,419
+HK$540/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,758/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$9,295
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,544
−HK$253/mo
Today · 4.125%
HK$9,797
baseline
▲ 0.50% · 4.625%
HK$10,313
+HK$516/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,594/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$9,747
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,051
−HK$308/mo
Today · 4.125%
HK$10,359
baseline
▲ 0.50% · 4.625%
HK$10,989
+HK$630/mo
Deposit HK$916K · loan HK$2.14M · min. income ≈ HK$20,718/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,844
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,135
−HK$295/mo
Today · 4.125%
HK$11,430
baseline
▲ 0.50% · 4.625%
HK$12,032
+HK$602/mo
Deposit HK$916K · loan HK$2.14M · min. income ≈ HK$22,860/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,532
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,922
−HK$396/mo
Today · 4.125%
HK$13,318
baseline
▲ 0.50% · 4.625%
HK$14,129
+HK$811/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$26,636/mo (50% DSR)
Upfront cash ≈ HK$305K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,942
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,316
−HK$379/mo
Today · 4.125%
HK$14,695
baseline
▲ 0.50% · 4.625%
HK$15,470
+HK$775/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$29,390/mo (50% DSR)
Upfront cash ≈ HK$305K (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).