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$6,971
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,188
−HK$220/mo
Today · 4.125%
HK$7,408
baseline
▲ 0.50% · 4.625%
HK$7,859
+HK$451/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,816/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$7,755
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,963
−HK$211/mo
Today · 4.125%
HK$8,174
baseline
▲ 0.50% · 4.625%
HK$8,605
+HK$431/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,348/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$8,365
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,625
−HK$265/mo
Today · 4.125%
HK$8,890
baseline
▲ 0.50% · 4.625%
HK$9,431
+HK$541/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,780/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$9,306
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,556
−HK$253/mo
Today · 4.125%
HK$9,809
baseline
▲ 0.50% · 4.625%
HK$10,326
+HK$517/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,618/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$9,760
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,063
−HK$309/mo
Today · 4.125%
HK$10,372
baseline
▲ 0.50% · 4.625%
HK$11,003
+HK$631/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$20,744/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$10,857
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,149
−HK$295/mo
Today · 4.125%
HK$11,444
baseline
▲ 0.50% · 4.625%
HK$12,047
+HK$603/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$22,888/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$12,548
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,938
−HK$397/mo
Today · 4.125%
HK$13,335
baseline
▲ 0.50% · 4.625%
HK$14,146
+HK$811/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$26,670/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$13,959
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,334
−HK$380/mo
Today · 4.125%
HK$14,714
baseline
▲ 0.50% · 4.625%
HK$15,489
+HK$775/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,428/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).