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$6,989
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,206
−HK$221/mo
Today · 4.125%
HK$7,427
baseline
▲ 0.50% · 4.625%
HK$7,879
+HK$452/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,854/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$7,775
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,983
−HK$212/mo
Today · 4.125%
HK$8,195
baseline
▲ 0.50% · 4.625%
HK$8,627
+HK$432/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,390/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$8,386
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,647
−HK$265/mo
Today · 4.125%
HK$8,912
baseline
▲ 0.50% · 4.625%
HK$9,455
+HK$543/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,824/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$9,330
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,580
−HK$254/mo
Today · 4.125%
HK$9,834
baseline
▲ 0.50% · 4.625%
HK$10,352
+HK$518/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,668/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$9,784
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,088
−HK$310/mo
Today · 4.125%
HK$10,398
baseline
▲ 0.50% · 4.625%
HK$11,030
+HK$632/mo
Deposit HK$919K · loan HK$2.15M · min. income ≈ HK$20,796/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,885
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,177
−HK$296/mo
Today · 4.125%
HK$11,473
baseline
▲ 0.50% · 4.625%
HK$12,078
+HK$605/mo
Deposit HK$919K · loan HK$2.15M · min. income ≈ HK$22,946/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,580
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,971
−HK$397/mo
Today · 4.125%
HK$13,368
baseline
▲ 0.50% · 4.625%
HK$14,182
+HK$814/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$26,736/mo (50% DSR)
Upfront cash ≈ HK$307K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,995
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,370
−HK$381/mo
Today · 4.125%
HK$14,751
baseline
▲ 0.50% · 4.625%
HK$15,528
+HK$777/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$29,502/mo (50% DSR)
Upfront cash ≈ HK$307K (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).