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$6,959
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,175
−HK$220/mo
Today · 4.125%
HK$7,395
baseline
▲ 0.50% · 4.625%
HK$7,845
+HK$450/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,790/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$7,742
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,949
−HK$211/mo
Today · 4.125%
HK$8,160
baseline
▲ 0.50% · 4.625%
HK$8,590
+HK$430/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,320/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$8,351
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,610
−HK$264/mo
Today · 4.125%
HK$8,874
baseline
▲ 0.50% · 4.625%
HK$9,414
+HK$540/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,748/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$9,290
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,539
−HK$253/mo
Today · 4.125%
HK$9,792
baseline
▲ 0.50% · 4.625%
HK$10,308
+HK$516/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,584/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$9,742
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,046
−HK$307/mo
Today · 4.125%
HK$10,353
baseline
▲ 0.50% · 4.625%
HK$10,983
+HK$630/mo
Deposit HK$916K · loan HK$2.14M · min. income ≈ HK$20,706/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$10,838
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,129
−HK$295/mo
Today · 4.125%
HK$11,424
baseline
▲ 0.50% · 4.625%
HK$12,026
+HK$602/mo
Deposit HK$916K · loan HK$2.14M · min. income ≈ HK$22,848/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$12,526
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,916
−HK$396/mo
Today · 4.125%
HK$13,312
baseline
▲ 0.50% · 4.625%
HK$14,121
+HK$809/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$26,624/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$13,935
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,309
−HK$379/mo
Today · 4.125%
HK$14,688
baseline
▲ 0.50% · 4.625%
HK$15,462
+HK$774/mo
Deposit HK$305K · loan HK$2.75M · min. income ≈ HK$29,376/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).