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$7,180
−HK$221/mo
Today · 4.125%
HK$7,401
baseline
▲ 0.50% · 4.625%
HK$7,851
+HK$450/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$7,747
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,955
−HK$211/mo
Today · 4.125%
HK$8,166
baseline
▲ 0.50% · 4.625%
HK$8,596
+HK$430/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,332/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$9,421
+HK$540/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$502/mo
▼ 0.25% · 3.875%
HK$9,546
−HK$253/mo
Today · 4.125%
HK$9,799
baseline
▲ 0.50% · 4.625%
HK$10,315
+HK$516/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,598/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$9,749
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,053
−HK$308/mo
Today · 4.125%
HK$10,361
baseline
▲ 0.50% · 4.625%
HK$10,991
+HK$630/mo
Deposit HK$916K · loan HK$2.14M · min. income ≈ HK$20,722/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$10,846
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,137
−HK$295/mo
Today · 4.125%
HK$11,432
baseline
▲ 0.50% · 4.625%
HK$12,035
+HK$603/mo
Deposit HK$916K · loan HK$2.14M · min. income ≈ HK$22,864/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$12,535
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,925
−HK$396/mo
Today · 4.125%
HK$13,321
baseline
▲ 0.50% · 4.625%
HK$14,131
+HK$810/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$26,642/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$13,945
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,319
−HK$379/mo
Today · 4.125%
HK$14,698
baseline
▲ 0.50% · 4.625%
HK$15,473
+HK$775/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$29,396/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).