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$6,975
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,192
−HK$221/mo
Today · 4.125%
HK$7,413
baseline
▲ 0.50% · 4.625%
HK$7,864
+HK$451/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,826/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$7,760
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,968
−HK$211/mo
Today · 4.125%
HK$8,179
baseline
▲ 0.50% · 4.625%
HK$8,610
+HK$431/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,358/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$8,370
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,631
−HK$264/mo
Today · 4.125%
HK$8,895
baseline
▲ 0.50% · 4.625%
HK$9,437
+HK$542/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$17,790/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$9,312
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,562
−HK$253/mo
Today · 4.125%
HK$9,815
baseline
▲ 0.50% · 4.625%
HK$10,332
+HK$517/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$19,630/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$9,765
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,069
−HK$309/mo
Today · 4.125%
HK$10,378
baseline
▲ 0.50% · 4.625%
HK$11,009
+HK$631/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$20,756/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,864
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,155
−HK$296/mo
Today · 4.125%
HK$11,451
baseline
▲ 0.50% · 4.625%
HK$12,055
+HK$604/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$22,902/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,556
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,946
−HK$397/mo
Today · 4.125%
HK$13,343
baseline
▲ 0.50% · 4.625%
HK$14,155
+HK$812/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$26,686/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$13,968
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,343
−HK$380/mo
Today · 4.125%
HK$14,723
baseline
▲ 0.50% · 4.625%
HK$15,499
+HK$776/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,446/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).