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$6,962
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,179
−HK$220/mo
Today · 4.125%
HK$7,399
baseline
▲ 0.50% · 4.625%
HK$7,849
+HK$450/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,798/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$7,745
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,953
−HK$211/mo
Today · 4.125%
HK$8,164
baseline
▲ 0.50% · 4.625%
HK$8,594
+HK$430/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,328/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$8,354
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,614
−HK$264/mo
Today · 4.125%
HK$8,878
baseline
▲ 0.50% · 4.625%
HK$9,419
+HK$541/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,756/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$9,294
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,544
−HK$252/mo
Today · 4.125%
HK$9,796
baseline
▲ 0.50% · 4.625%
HK$10,313
+HK$517/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,592/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$9,747
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,050
−HK$308/mo
Today · 4.125%
HK$10,358
baseline
▲ 0.50% · 4.625%
HK$10,988
+HK$630/mo
Deposit HK$916K · loan HK$2.14M · min. income ≈ HK$20,716/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,843
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,134
−HK$295/mo
Today · 4.125%
HK$11,429
baseline
▲ 0.50% · 4.625%
HK$12,032
+HK$603/mo
Deposit HK$916K · loan HK$2.14M · min. income ≈ HK$22,858/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,532
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,921
−HK$397/mo
Today · 4.125%
HK$13,318
baseline
▲ 0.50% · 4.625%
HK$14,128
+HK$810/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$26,636/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$13,941
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,315
−HK$380/mo
Today · 4.125%
HK$14,695
baseline
▲ 0.50% · 4.625%
HK$15,469
+HK$774/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$29,390/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).