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$6,978
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,195
−HK$220/mo
Today · 4.125%
HK$7,415
baseline
▲ 0.50% · 4.625%
HK$7,867
+HK$452/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,830/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$7,763
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,971
−HK$211/mo
Today · 4.125%
HK$8,182
baseline
▲ 0.50% · 4.625%
HK$8,614
+HK$432/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,364/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$8,373
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,634
−HK$265/mo
Today · 4.125%
HK$8,899
baseline
▲ 0.50% · 4.625%
HK$9,440
+HK$541/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$17,798/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$9,315
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,565
−HK$254/mo
Today · 4.125%
HK$9,819
baseline
▲ 0.50% · 4.625%
HK$10,336
+HK$517/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$19,638/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$9,769
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,073
−HK$309/mo
Today · 4.125%
HK$10,382
baseline
▲ 0.50% · 4.625%
HK$11,013
+HK$631/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$20,764/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$10,868
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,159
−HK$296/mo
Today · 4.125%
HK$11,455
baseline
▲ 0.50% · 4.625%
HK$12,059
+HK$604/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$22,910/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$12,560
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,951
−HK$397/mo
Today · 4.125%
HK$13,348
baseline
▲ 0.50% · 4.625%
HK$14,160
+HK$812/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$26,696/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$13,973
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,348
−HK$380/mo
Today · 4.125%
HK$14,728
baseline
▲ 0.50% · 4.625%
HK$15,504
+HK$776/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,456/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).