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$6,984
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,201
−HK$221/mo
Today · 4.125%
HK$7,422
baseline
▲ 0.50% · 4.625%
HK$7,873
+HK$451/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,844/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$7,769
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,978
−HK$211/mo
Today · 4.125%
HK$8,189
baseline
▲ 0.50% · 4.625%
HK$8,621
+HK$432/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,378/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$8,380
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,641
−HK$265/mo
Today · 4.125%
HK$8,906
baseline
▲ 0.50% · 4.625%
HK$9,448
+HK$542/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,812/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$9,323
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,573
−HK$254/mo
Today · 4.125%
HK$9,827
baseline
▲ 0.50% · 4.625%
HK$10,345
+HK$518/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,654/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$9,777
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,081
−HK$309/mo
Today · 4.125%
HK$10,390
baseline
▲ 0.50% · 4.625%
HK$11,022
+HK$632/mo
Deposit HK$919K · loan HK$2.14M · min. income ≈ HK$20,780/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$10,877
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,169
−HK$296/mo
Today · 4.125%
HK$11,465
baseline
▲ 0.50% · 4.625%
HK$12,069
+HK$604/mo
Deposit HK$919K · loan HK$2.14M · min. income ≈ HK$22,930/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$12,571
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,962
−HK$397/mo
Today · 4.125%
HK$13,359
baseline
▲ 0.50% · 4.625%
HK$14,172
+HK$813/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$26,718/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$13,985
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,360
−HK$380/mo
Today · 4.125%
HK$14,740
baseline
▲ 0.50% · 4.625%
HK$15,517
+HK$777/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$29,480/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).