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$6,974
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,191
−HK$221/mo
Today · 4.125%
HK$7,412
baseline
▲ 0.50% · 4.625%
HK$7,863
+HK$451/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,824/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$7,759
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,967
−HK$211/mo
Today · 4.125%
HK$8,178
baseline
▲ 0.50% · 4.625%
HK$8,609
+HK$431/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,356/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$8,369
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,630
−HK$264/mo
Today · 4.125%
HK$8,894
baseline
▲ 0.50% · 4.625%
HK$9,435
+HK$541/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$17,788/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$9,311
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,560
−HK$254/mo
Today · 4.125%
HK$9,814
baseline
▲ 0.50% · 4.625%
HK$10,331
+HK$517/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$19,628/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$9,764
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,068
−HK$308/mo
Today · 4.125%
HK$10,376
baseline
▲ 0.50% · 4.625%
HK$11,008
+HK$632/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$20,752/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$10,863
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,154
−HK$295/mo
Today · 4.125%
HK$11,449
baseline
▲ 0.50% · 4.625%
HK$12,053
+HK$604/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$22,898/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$12,554
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,944
−HK$397/mo
Today · 4.125%
HK$13,341
baseline
▲ 0.50% · 4.625%
HK$14,153
+HK$812/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$26,682/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$13,966
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,341
−HK$380/mo
Today · 4.125%
HK$14,721
baseline
▲ 0.50% · 4.625%
HK$15,497
+HK$776/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,442/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).