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$6,971
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,188
−HK$221/mo
Today · 4.125%
HK$7,409
baseline
▲ 0.50% · 4.625%
HK$7,859
+HK$450/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,818/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$7,756
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,964
−HK$211/mo
Today · 4.125%
HK$8,175
baseline
▲ 0.50% · 4.625%
HK$8,606
+HK$431/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,350/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$8,366
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,626
−HK$264/mo
Today · 4.125%
HK$8,890
baseline
▲ 0.50% · 4.625%
HK$9,431
+HK$541/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,780/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$9,307
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,556
−HK$254/mo
Today · 4.125%
HK$9,810
baseline
▲ 0.50% · 4.625%
HK$10,327
+HK$517/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,620/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$9,760
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,064
−HK$308/mo
Today · 4.125%
HK$10,372
baseline
▲ 0.50% · 4.625%
HK$11,003
+HK$631/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$20,744/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,858
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,149
−HK$296/mo
Today · 4.125%
HK$11,445
baseline
▲ 0.50% · 4.625%
HK$12,048
+HK$603/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$22,890/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,549
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,939
−HK$397/mo
Today · 4.125%
HK$13,336
baseline
▲ 0.50% · 4.625%
HK$14,147
+HK$811/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$26,672/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$13,960
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,335
−HK$379/mo
Today · 4.125%
HK$14,714
baseline
▲ 0.50% · 4.625%
HK$15,490
+HK$776/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,428/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).