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$6,967
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,184
−HK$220/mo
Today · 4.125%
HK$7,404
baseline
▲ 0.50% · 4.625%
HK$7,855
+HK$451/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,808/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$7,751
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,959
−HK$211/mo
Today · 4.125%
HK$8,170
baseline
▲ 0.50% · 4.625%
HK$8,600
+HK$430/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,340/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$8,361
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,621
−HK$264/mo
Today · 4.125%
HK$8,885
baseline
▲ 0.50% · 4.625%
HK$9,425
+HK$540/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,770/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$9,301
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,551
−HK$253/mo
Today · 4.125%
HK$9,804
baseline
▲ 0.50% · 4.625%
HK$10,320
+HK$516/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,608/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$9,754
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,057
−HK$309/mo
Today · 4.125%
HK$10,366
baseline
▲ 0.50% · 4.625%
HK$10,996
+HK$630/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$20,732/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$10,851
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,142
−HK$296/mo
Today · 4.125%
HK$11,438
baseline
▲ 0.50% · 4.625%
HK$12,040
+HK$602/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$22,876/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$12,541
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,931
−HK$396/mo
Today · 4.125%
HK$13,327
baseline
▲ 0.50% · 4.625%
HK$14,138
+HK$811/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$26,654/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$13,952
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,326
−HK$379/mo
Today · 4.125%
HK$14,705
baseline
▲ 0.50% · 4.625%
HK$15,481
+HK$776/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,410/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).