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$6,991
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,209
−HK$221/mo
Today · 4.125%
HK$7,430
baseline
▲ 0.50% · 4.625%
HK$7,882
+HK$452/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,860/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$7,778
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,987
−HK$211/mo
Today · 4.125%
HK$8,198
baseline
▲ 0.50% · 4.625%
HK$8,630
+HK$432/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,396/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$8,390
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,651
−HK$265/mo
Today · 4.125%
HK$8,916
baseline
▲ 0.50% · 4.625%
HK$9,458
+HK$542/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,832/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$9,334
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,584
−HK$254/mo
Today · 4.125%
HK$9,838
baseline
▲ 0.50% · 4.625%
HK$10,356
+HK$518/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,676/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$9,788
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,093
−HK$309/mo
Today · 4.125%
HK$10,402
baseline
▲ 0.50% · 4.625%
HK$11,035
+HK$633/mo
Deposit HK$920K · loan HK$2.15M · min. income ≈ HK$20,804/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$10,889
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,181
−HK$296/mo
Today · 4.125%
HK$11,477
baseline
▲ 0.50% · 4.625%
HK$12,082
+HK$605/mo
Deposit HK$920K · loan HK$2.15M · min. income ≈ HK$22,954/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$12,585
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,976
−HK$398/mo
Today · 4.125%
HK$13,374
baseline
▲ 0.50% · 4.625%
HK$14,188
+HK$814/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$26,748/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$14,000
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,376
−HK$381/mo
Today · 4.125%
HK$14,757
baseline
▲ 0.50% · 4.625%
HK$15,535
+HK$778/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$29,514/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).