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$6,985
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,203
−HK$220/mo
Today · 4.125%
HK$7,423
baseline
▲ 0.50% · 4.625%
HK$7,875
+HK$452/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,846/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$7,771
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,979
−HK$212/mo
Today · 4.125%
HK$8,191
baseline
▲ 0.50% · 4.625%
HK$8,623
+HK$432/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,382/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$8,382
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,643
−HK$265/mo
Today · 4.125%
HK$8,908
baseline
▲ 0.50% · 4.625%
HK$9,450
+HK$542/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,816/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,325
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,575
−HK$254/mo
Today · 4.125%
HK$9,829
baseline
▲ 0.50% · 4.625%
HK$10,347
+HK$518/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,658/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,779
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,084
−HK$309/mo
Today · 4.125%
HK$10,393
baseline
▲ 0.50% · 4.625%
HK$11,025
+HK$632/mo
Deposit HK$919K · loan HK$2.14M · min. income ≈ HK$20,786/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,879
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,171
−HK$296/mo
Today · 4.125%
HK$11,467
baseline
▲ 0.50% · 4.625%
HK$12,072
+HK$605/mo
Deposit HK$919K · loan HK$2.14M · min. income ≈ HK$22,934/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,573
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,965
−HK$397/mo
Today · 4.125%
HK$13,362
baseline
▲ 0.50% · 4.625%
HK$14,175
+HK$813/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$26,724/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$13,988
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,363
−HK$381/mo
Today · 4.125%
HK$14,744
baseline
▲ 0.50% · 4.625%
HK$15,521
+HK$777/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$29,488/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).