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$6,972
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,189
−HK$220/mo
Today · 4.125%
HK$7,409
baseline
▲ 0.50% · 4.625%
HK$7,860
+HK$451/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$525/mo
▼ 0.25% · 3.875%
HK$8,626
−HK$265/mo
Today · 4.125%
HK$8,891
baseline
▲ 0.50% · 4.625%
HK$9,432
+HK$541/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,782/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$9,557
−HK$253/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$9,761
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,064
−HK$309/mo
Today · 4.125%
HK$10,373
baseline
▲ 0.50% · 4.625%
HK$11,004
+HK$631/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$20,746/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$10,859
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,150
−HK$295/mo
Today · 4.125%
HK$11,445
baseline
▲ 0.50% · 4.625%
HK$12,049
+HK$604/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$12,940
−HK$396/mo
Today · 4.125%
HK$13,336
baseline
▲ 0.50% · 4.625%
HK$14,148
+HK$812/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$13,961
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,335
−HK$380/mo
Today · 4.125%
HK$14,715
baseline
▲ 0.50% · 4.625%
HK$15,491
+HK$776/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,430/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).