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$6,987
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,205
−HK$220/mo
Today · 4.125%
HK$7,425
baseline
▲ 0.50% · 4.625%
HK$7,877
+HK$452/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,850/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$7,773
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,982
−HK$211/mo
Today · 4.125%
HK$8,193
baseline
▲ 0.50% · 4.625%
HK$8,625
+HK$432/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,386/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$8,385
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,645
−HK$265/mo
Today · 4.125%
HK$8,910
baseline
▲ 0.50% · 4.625%
HK$9,453
+HK$543/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,820/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,328
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,578
−HK$254/mo
Today · 4.125%
HK$9,832
baseline
▲ 0.50% · 4.625%
HK$10,350
+HK$518/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,664/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,782
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,086
−HK$310/mo
Today · 4.125%
HK$10,396
baseline
▲ 0.50% · 4.625%
HK$11,028
+HK$632/mo
Deposit HK$919K · loan HK$2.14M · min. income ≈ HK$20,792/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$10,882
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,174
−HK$296/mo
Today · 4.125%
HK$11,470
baseline
▲ 0.50% · 4.625%
HK$12,075
+HK$605/mo
Deposit HK$919K · loan HK$2.14M · min. income ≈ HK$22,940/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$12,577
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,968
−HK$398/mo
Today · 4.125%
HK$13,366
baseline
▲ 0.50% · 4.625%
HK$14,179
+HK$813/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$26,732/mo (50% DSR)
Upfront cash ≈ HK$307K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,992
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,367
−HK$381/mo
Today · 4.125%
HK$14,748
baseline
▲ 0.50% · 4.625%
HK$15,525
+HK$777/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$29,496/mo (50% DSR)
Upfront cash ≈ HK$307K (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).