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$438/mo
▼ 0.25% · 3.875%
HK$7,214
−HK$221/mo
Today · 4.125%
HK$7,435
baseline
▲ 0.50% · 4.625%
HK$7,888
+HK$453/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,870/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$7,992
−HK$212/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$526/mo
▼ 0.25% · 3.875%
HK$8,657
−HK$265/mo
Today · 4.125%
HK$8,922
baseline
▲ 0.50% · 4.625%
HK$9,465
+HK$543/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,844/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$9,340
−HK$505/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$9,795
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,100
−HK$309/mo
Today · 4.125%
HK$10,409
baseline
▲ 0.50% · 4.625%
HK$11,043
+HK$634/mo
Deposit HK$920K · loan HK$2.15M · min. income ≈ HK$20,818/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$10,897
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,189
−HK$297/mo
Today · 4.125%
HK$11,486
baseline
▲ 0.50% · 4.625%
HK$12,091
+HK$605/mo
Deposit HK$920K · 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$789/mo
▼ 0.25% · 3.875%
HK$12,985
−HK$398/mo
Today · 4.125%
HK$13,383
baseline
▲ 0.50% · 4.625%
HK$14,198
+HK$815/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$26,766/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$14,010
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,386
−HK$381/mo
Today · 4.125%
HK$14,767
baseline
▲ 0.50% · 4.625%
HK$15,546
+HK$779/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$29,534/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).