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$7,204
−HK$221/mo
Today · 4.125%
HK$7,425
baseline
▲ 0.50% · 4.625%
HK$7,876
+HK$451/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$7,772
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,981
−HK$211/mo
Today · 4.125%
HK$8,192
baseline
▲ 0.50% · 4.625%
HK$8,624
+HK$432/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,384/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$8,384
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,645
−HK$265/mo
Today · 4.125%
HK$8,910
baseline
▲ 0.50% · 4.625%
HK$9,452
+HK$542/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$9,327
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,577
−HK$254/mo
Today · 4.125%
HK$9,831
baseline
▲ 0.50% · 4.625%
HK$10,349
+HK$518/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,662/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$9,781
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,085
−HK$310/mo
Today · 4.125%
HK$10,395
baseline
▲ 0.50% · 4.625%
HK$11,027
+HK$632/mo
Deposit HK$919K · loan HK$2.14M · min. income ≈ HK$20,790/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$10,881
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,173
−HK$296/mo
Today · 4.125%
HK$11,469
baseline
▲ 0.50% · 4.625%
HK$12,074
+HK$605/mo
Deposit HK$919K · loan HK$2.14M · min. income ≈ HK$22,938/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$12,576
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,967
−HK$397/mo
Today · 4.125%
HK$13,364
baseline
▲ 0.50% · 4.625%
HK$14,178
+HK$814/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$26,728/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$13,990
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,366
−HK$380/mo
Today · 4.125%
HK$14,746
baseline
▲ 0.50% · 4.625%
HK$15,524
+HK$778/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$29,492/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).