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$6,995
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,212
−HK$222/mo
Today · 4.125%
HK$7,434
baseline
▲ 0.50% · 4.625%
HK$7,886
+HK$452/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,868/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$7,782
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,990
−HK$212/mo
Today · 4.125%
HK$8,202
baseline
▲ 0.50% · 4.625%
HK$8,635
+HK$433/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,404/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$8,394
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,655
−HK$265/mo
Today · 4.125%
HK$8,920
baseline
▲ 0.50% · 4.625%
HK$9,463
+HK$543/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,840/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$9,338
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,589
−HK$254/mo
Today · 4.125%
HK$9,843
baseline
▲ 0.50% · 4.625%
HK$10,361
+HK$518/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,686/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$9,793
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,097
−HK$310/mo
Today · 4.125%
HK$10,407
baseline
▲ 0.50% · 4.625%
HK$11,040
+HK$633/mo
Deposit HK$920K · loan HK$2.15M · min. income ≈ HK$20,814/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$10,894
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,187
−HK$296/mo
Today · 4.125%
HK$11,483
baseline
▲ 0.50% · 4.625%
HK$12,088
+HK$605/mo
Deposit HK$920K · loan HK$2.15M · min. income ≈ HK$22,966/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$12,591
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,982
−HK$398/mo
Today · 4.125%
HK$13,380
baseline
▲ 0.50% · 4.625%
HK$14,195
+HK$815/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$26,760/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$14,007
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,383
−HK$381/mo
Today · 4.125%
HK$14,764
baseline
▲ 0.50% · 4.625%
HK$15,542
+HK$778/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$29,528/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).