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$6,957
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,174
−HK$220/mo
Today · 4.125%
HK$7,394
baseline
▲ 0.50% · 4.625%
HK$7,843
+HK$449/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$7,740
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,947
−HK$211/mo
Today · 4.125%
HK$8,158
baseline
▲ 0.50% · 4.625%
HK$8,588
+HK$430/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,316/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$8,349
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,608
−HK$264/mo
Today · 4.125%
HK$8,872
baseline
▲ 0.50% · 4.625%
HK$9,412
+HK$540/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,744/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$9,288
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,537
−HK$253/mo
Today · 4.125%
HK$9,790
baseline
▲ 0.50% · 4.625%
HK$10,306
+HK$516/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,580/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$9,740
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,043
−HK$308/mo
Today · 4.125%
HK$10,351
baseline
▲ 0.50% · 4.625%
HK$10,981
+HK$630/mo
Deposit HK$915K · loan HK$2.14M · min. income ≈ HK$20,702/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,836
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,126
−HK$295/mo
Today · 4.125%
HK$11,421
baseline
▲ 0.50% · 4.625%
HK$12,023
+HK$602/mo
Deposit HK$915K · loan HK$2.14M · min. income ≈ HK$22,842/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,523
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,913
−HK$395/mo
Today · 4.125%
HK$13,308
baseline
▲ 0.50% · 4.625%
HK$14,118
+HK$810/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$26,616/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$13,932
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,305
−HK$379/mo
Today · 4.125%
HK$14,684
baseline
▲ 0.50% · 4.625%
HK$15,458
+HK$774/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$29,368/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).