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$6,982
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,199
−HK$221/mo
Today · 4.125%
HK$7,420
baseline
▲ 0.50% · 4.625%
HK$7,871
+HK$451/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,840/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$7,767
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,975
−HK$212/mo
Today · 4.125%
HK$8,187
baseline
▲ 0.50% · 4.625%
HK$8,618
+HK$431/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,374/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$8,378
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,639
−HK$264/mo
Today · 4.125%
HK$8,903
baseline
▲ 0.50% · 4.625%
HK$9,445
+HK$542/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$17,806/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$9,321
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,571
−HK$253/mo
Today · 4.125%
HK$9,824
baseline
▲ 0.50% · 4.625%
HK$10,342
+HK$518/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$19,648/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$9,774
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,078
−HK$309/mo
Today · 4.125%
HK$10,387
baseline
▲ 0.50% · 4.625%
HK$11,019
+HK$632/mo
Deposit HK$919K · loan HK$2.14M · min. income ≈ HK$20,774/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,874
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,166
−HK$295/mo
Today · 4.125%
HK$11,461
baseline
▲ 0.50% · 4.625%
HK$12,066
+HK$605/mo
Deposit HK$919K · loan HK$2.14M · min. income ≈ HK$22,922/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,567
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,958
−HK$397/mo
Today · 4.125%
HK$13,355
baseline
▲ 0.50% · 4.625%
HK$14,168
+HK$813/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$26,710/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$13,981
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,356
−HK$380/mo
Today · 4.125%
HK$14,736
baseline
▲ 0.50% · 4.625%
HK$15,513
+HK$777/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$29,472/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).