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$6,971
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,188
−HK$220/mo
Today · 4.125%
HK$7,408
baseline
▲ 0.50% · 4.625%
HK$7,859
+HK$451/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,816/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$7,755
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,963
−HK$211/mo
Today · 4.125%
HK$8,174
baseline
▲ 0.50% · 4.625%
HK$8,605
+HK$431/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,348/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$8,365
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,625
−HK$264/mo
Today · 4.125%
HK$8,889
baseline
▲ 0.50% · 4.625%
HK$9,430
+HK$541/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,778/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$9,306
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,555
−HK$254/mo
Today · 4.125%
HK$9,809
baseline
▲ 0.50% · 4.625%
HK$10,326
+HK$517/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,618/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$9,759
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,063
−HK$308/mo
Today · 4.125%
HK$10,371
baseline
▲ 0.50% · 4.625%
HK$11,002
+HK$631/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$20,742/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$10,857
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,148
−HK$295/mo
Today · 4.125%
HK$11,443
baseline
▲ 0.50% · 4.625%
HK$12,047
+HK$604/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$22,886/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$12,547
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,938
−HK$396/mo
Today · 4.125%
HK$13,334
baseline
▲ 0.50% · 4.625%
HK$14,145
+HK$811/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$26,668/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$13,959
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,333
−HK$380/mo
Today · 4.125%
HK$14,713
baseline
▲ 0.50% · 4.625%
HK$15,488
+HK$775/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,426/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).