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$6,998
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,216
−HK$221/mo
Today · 4.125%
HK$7,437
baseline
▲ 0.50% · 4.625%
HK$7,890
+HK$453/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,874/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$7,785
−HK$421/mo
▼ 0.25% · 3.875%
HK$7,994
−HK$212/mo
Today · 4.125%
HK$8,206
baseline
▲ 0.50% · 4.625%
HK$8,639
+HK$433/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,412/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$8,398
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,659
−HK$265/mo
Today · 4.125%
HK$8,924
baseline
▲ 0.50% · 4.625%
HK$9,468
+HK$544/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,848/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$9,343
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,593
−HK$254/mo
Today · 4.125%
HK$9,847
baseline
▲ 0.50% · 4.625%
HK$10,366
+HK$519/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,694/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$9,798
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,102
−HK$310/mo
Today · 4.125%
HK$10,412
baseline
▲ 0.50% · 4.625%
HK$11,045
+HK$633/mo
Deposit HK$921K · loan HK$2.15M · min. income ≈ HK$20,824/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,900
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,192
−HK$297/mo
Today · 4.125%
HK$11,489
baseline
▲ 0.50% · 4.625%
HK$12,094
+HK$605/mo
Deposit HK$921K · loan HK$2.15M · min. income ≈ HK$22,978/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,597
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,989
−HK$398/mo
Today · 4.125%
HK$13,387
baseline
▲ 0.50% · 4.625%
HK$14,201
+HK$814/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$26,774/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$14,014
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,390
−HK$381/mo
Today · 4.125%
HK$14,771
baseline
▲ 0.50% · 4.625%
HK$15,550
+HK$779/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$29,542/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).