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$6,960
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,176
−HK$220/mo
Today · 4.125%
HK$7,396
baseline
▲ 0.50% · 4.625%
HK$7,846
+HK$450/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,792/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$7,742
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,950
−HK$211/mo
Today · 4.125%
HK$8,161
baseline
▲ 0.50% · 4.625%
HK$8,591
+HK$430/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,322/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$8,351
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,611
−HK$264/mo
Today · 4.125%
HK$8,875
baseline
▲ 0.50% · 4.625%
HK$9,415
+HK$540/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,750/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$9,291
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,540
−HK$253/mo
Today · 4.125%
HK$9,793
baseline
▲ 0.50% · 4.625%
HK$10,309
+HK$516/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,586/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$9,743
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,046
−HK$308/mo
Today · 4.125%
HK$10,354
baseline
▲ 0.50% · 4.625%
HK$10,984
+HK$630/mo
Deposit HK$916K · loan HK$2.14M · min. income ≈ HK$20,708/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$10,839
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,130
−HK$295/mo
Today · 4.125%
HK$11,425
baseline
▲ 0.50% · 4.625%
HK$12,027
+HK$602/mo
Deposit HK$916K · loan HK$2.14M · min. income ≈ HK$22,850/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$12,527
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,917
−HK$396/mo
Today · 4.125%
HK$13,313
baseline
▲ 0.50% · 4.625%
HK$14,123
+HK$810/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$26,626/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$13,936
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,310
−HK$379/mo
Today · 4.125%
HK$14,689
baseline
▲ 0.50% · 4.625%
HK$15,464
+HK$775/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$29,378/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).