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$6,957
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,173
−HK$220/mo
Today · 4.125%
HK$7,393
baseline
▲ 0.50% · 4.625%
HK$7,843
+HK$450/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,786/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$7,739
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,947
−HK$210/mo
Today · 4.125%
HK$8,157
baseline
▲ 0.50% · 4.625%
HK$8,587
+HK$430/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,314/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$8,348
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,608
−HK$263/mo
Today · 4.125%
HK$8,871
baseline
▲ 0.50% · 4.625%
HK$9,411
+HK$540/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,742/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$9,287
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,536
−HK$253/mo
Today · 4.125%
HK$9,789
baseline
▲ 0.50% · 4.625%
HK$10,305
+HK$516/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,578/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$9,739
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,042
−HK$308/mo
Today · 4.125%
HK$10,350
baseline
▲ 0.50% · 4.625%
HK$10,980
+HK$630/mo
Deposit HK$915K · loan HK$2.14M · min. income ≈ HK$20,700/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,835
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,125
−HK$295/mo
Today · 4.125%
HK$11,420
baseline
▲ 0.50% · 4.625%
HK$12,022
+HK$602/mo
Deposit HK$915K · loan HK$2.14M · min. income ≈ HK$22,840/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,522
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,911
−HK$396/mo
Today · 4.125%
HK$13,307
baseline
▲ 0.50% · 4.625%
HK$14,117
+HK$810/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$26,614/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$13,930
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,304
−HK$379/mo
Today · 4.125%
HK$14,683
baseline
▲ 0.50% · 4.625%
HK$15,457
+HK$774/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$29,366/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).