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$6,997
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,215
−HK$221/mo
Today · 4.125%
HK$7,436
baseline
▲ 0.50% · 4.625%
HK$7,888
+HK$452/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,872/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$7,784
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,993
−HK$211/mo
Today · 4.125%
HK$8,204
baseline
▲ 0.50% · 4.625%
HK$8,637
+HK$433/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,408/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$8,396
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,657
−HK$266/mo
Today · 4.125%
HK$8,923
baseline
▲ 0.50% · 4.625%
HK$9,466
+HK$543/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,846/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$9,341
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,591
−HK$254/mo
Today · 4.125%
HK$9,845
baseline
▲ 0.50% · 4.625%
HK$10,364
+HK$519/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,690/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$9,796
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,100
−HK$310/mo
Today · 4.125%
HK$10,410
baseline
▲ 0.50% · 4.625%
HK$11,043
+HK$633/mo
Deposit HK$921K · loan HK$2.15M · min. income ≈ HK$20,820/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$10,898
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,190
−HK$296/mo
Today · 4.125%
HK$11,486
baseline
▲ 0.50% · 4.625%
HK$12,092
+HK$606/mo
Deposit HK$921K · loan HK$2.15M · min. income ≈ HK$22,972/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$12,594
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,986
−HK$398/mo
Today · 4.125%
HK$13,384
baseline
▲ 0.50% · 4.625%
HK$14,199
+HK$815/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$26,768/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$14,011
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,387
−HK$381/mo
Today · 4.125%
HK$14,768
baseline
▲ 0.50% · 4.625%
HK$15,547
+HK$779/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$29,536/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).