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$6,977
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,194
−HK$220/mo
Today · 4.125%
HK$7,414
baseline
▲ 0.50% · 4.625%
HK$7,865
+HK$451/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,828/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$7,761
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,969
−HK$212/mo
Today · 4.125%
HK$8,181
baseline
▲ 0.50% · 4.625%
HK$8,612
+HK$431/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,362/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$8,372
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,632
−HK$265/mo
Today · 4.125%
HK$8,897
baseline
▲ 0.50% · 4.625%
HK$9,438
+HK$541/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$17,794/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$9,314
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,563
−HK$254/mo
Today · 4.125%
HK$9,817
baseline
▲ 0.50% · 4.625%
HK$10,334
+HK$517/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$19,634/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$9,767
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,071
−HK$309/mo
Today · 4.125%
HK$10,380
baseline
▲ 0.50% · 4.625%
HK$11,011
+HK$631/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$20,760/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,866
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,157
−HK$296/mo
Today · 4.125%
HK$11,453
baseline
▲ 0.50% · 4.625%
HK$12,057
+HK$604/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$22,906/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,558
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,948
−HK$397/mo
Today · 4.125%
HK$13,345
baseline
▲ 0.50% · 4.625%
HK$14,157
+HK$812/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$26,690/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$13,970
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,345
−HK$380/mo
Today · 4.125%
HK$14,725
baseline
▲ 0.50% · 4.625%
HK$15,501
+HK$776/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,450/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).