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$7,213
−HK$221/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$421/mo
▼ 0.25% · 3.875%
HK$7,991
−HK$212/mo
Today · 4.125%
HK$8,203
baseline
▲ 0.50% · 4.625%
HK$8,635
+HK$432/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,406/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$8,395
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,656
−HK$265/mo
Today · 4.125%
HK$8,921
baseline
▲ 0.50% · 4.625%
HK$9,464
+HK$543/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,842/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$9,339
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,589
−HK$254/mo
Today · 4.125%
HK$9,843
baseline
▲ 0.50% · 4.625%
HK$10,362
+HK$519/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$9,794
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,098
−HK$310/mo
Today · 4.125%
HK$10,408
baseline
▲ 0.50% · 4.625%
HK$11,041
+HK$633/mo
Deposit HK$920K · loan HK$2.15M · min. income ≈ HK$20,816/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$10,895
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,187
−HK$297/mo
Today · 4.125%
HK$11,484
baseline
▲ 0.50% · 4.625%
HK$12,089
+HK$605/mo
Deposit HK$920K · loan HK$2.15M · min. income ≈ HK$22,968/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$12,592
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,983
−HK$398/mo
Today · 4.125%
HK$13,381
baseline
▲ 0.50% · 4.625%
HK$14,196
+HK$815/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$26,762/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$14,008
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,384
−HK$381/mo
Today · 4.125%
HK$14,765
baseline
▲ 0.50% · 4.625%
HK$15,543
+HK$778/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$29,530/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).