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$6,958
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,175
−HK$219/mo
Today · 4.125%
HK$7,394
baseline
▲ 0.50% · 4.625%
HK$7,844
+HK$450/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,788/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$7,741
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,948
−HK$211/mo
Today · 4.125%
HK$8,159
baseline
▲ 0.50% · 4.625%
HK$8,589
+HK$430/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,318/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$8,350
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,610
−HK$263/mo
Today · 4.125%
HK$8,873
baseline
▲ 0.50% · 4.625%
HK$9,413
+HK$540/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,746/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$9,289
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,538
−HK$253/mo
Today · 4.125%
HK$9,791
baseline
▲ 0.50% · 4.625%
HK$10,307
+HK$516/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,582/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$9,741
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,044
−HK$308/mo
Today · 4.125%
HK$10,352
baseline
▲ 0.50% · 4.625%
HK$10,982
+HK$630/mo
Deposit HK$915K · loan HK$2.14M · min. income ≈ HK$20,704/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$10,837
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,128
−HK$295/mo
Today · 4.125%
HK$11,423
baseline
▲ 0.50% · 4.625%
HK$12,025
+HK$602/mo
Deposit HK$915K · loan HK$2.14M · min. income ≈ HK$22,846/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$12,525
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,914
−HK$396/mo
Today · 4.125%
HK$13,310
baseline
▲ 0.50% · 4.625%
HK$14,120
+HK$810/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$26,620/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$13,934
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,307
−HK$379/mo
Today · 4.125%
HK$14,686
baseline
▲ 0.50% · 4.625%
HK$15,460
+HK$774/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$29,372/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).