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$6,964
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,181
−HK$220/mo
Today · 4.125%
HK$7,401
baseline
▲ 0.50% · 4.625%
HK$7,852
+HK$451/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,802/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$7,748
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,956
−HK$211/mo
Today · 4.125%
HK$8,167
baseline
▲ 0.50% · 4.625%
HK$8,597
+HK$430/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,334/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$8,357
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,617
−HK$264/mo
Today · 4.125%
HK$8,881
baseline
▲ 0.50% · 4.625%
HK$9,422
+HK$541/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,762/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$9,297
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,547
−HK$253/mo
Today · 4.125%
HK$9,800
baseline
▲ 0.50% · 4.625%
HK$10,316
+HK$516/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,600/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$9,750
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,054
−HK$308/mo
Today · 4.125%
HK$10,362
baseline
▲ 0.50% · 4.625%
HK$10,992
+HK$630/mo
Deposit HK$916K · loan HK$2.14M · min. income ≈ HK$20,724/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$10,847
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,138
−HK$295/mo
Today · 4.125%
HK$11,433
baseline
▲ 0.50% · 4.625%
HK$12,036
+HK$603/mo
Deposit HK$916K · loan HK$2.14M · min. income ≈ HK$22,866/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$12,536
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,926
−HK$396/mo
Today · 4.125%
HK$13,322
baseline
▲ 0.50% · 4.625%
HK$14,133
+HK$811/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$26,644/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$13,946
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,320
−HK$380/mo
Today · 4.125%
HK$14,700
baseline
▲ 0.50% · 4.625%
HK$15,475
+HK$775/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$29,400/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).