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$6,968
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,185
−HK$220/mo
Today · 4.125%
HK$7,405
baseline
▲ 0.50% · 4.625%
HK$7,856
+HK$451/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,810/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$7,752
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,960
−HK$211/mo
Today · 4.125%
HK$8,171
baseline
▲ 0.50% · 4.625%
HK$8,602
+HK$431/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,342/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$8,362
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,622
−HK$264/mo
Today · 4.125%
HK$8,886
baseline
▲ 0.50% · 4.625%
HK$9,427
+HK$541/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,772/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$9,303
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,552
−HK$253/mo
Today · 4.125%
HK$9,805
baseline
▲ 0.50% · 4.625%
HK$10,322
+HK$517/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,610/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$9,756
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,059
−HK$309/mo
Today · 4.125%
HK$10,368
baseline
▲ 0.50% · 4.625%
HK$10,998
+HK$630/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$20,736/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$10,853
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,144
−HK$296/mo
Today · 4.125%
HK$11,440
baseline
▲ 0.50% · 4.625%
HK$12,043
+HK$603/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$22,880/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$12,543
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,933
−HK$397/mo
Today · 4.125%
HK$13,330
baseline
▲ 0.50% · 4.625%
HK$14,141
+HK$811/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$26,660/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$13,954
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,328
−HK$380/mo
Today · 4.125%
HK$14,708
baseline
▲ 0.50% · 4.625%
HK$15,483
+HK$775/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,416/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).