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$6,999
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,217
−HK$221/mo
Today · 4.125%
HK$7,438
baseline
▲ 0.50% · 4.625%
HK$7,891
+HK$453/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,876/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$7,786
−HK$421/mo
▼ 0.25% · 3.875%
HK$7,995
−HK$212/mo
Today · 4.125%
HK$8,207
baseline
▲ 0.50% · 4.625%
HK$8,640
+HK$433/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,414/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$8,399
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,660
−HK$266/mo
Today · 4.125%
HK$8,926
baseline
▲ 0.50% · 4.625%
HK$9,469
+HK$543/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,852/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$9,344
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,594
−HK$255/mo
Today · 4.125%
HK$9,849
baseline
▲ 0.50% · 4.625%
HK$10,368
+HK$519/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,698/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$9,799
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,104
−HK$309/mo
Today · 4.125%
HK$10,413
baseline
▲ 0.50% · 4.625%
HK$11,047
+HK$634/mo
Deposit HK$921K · loan HK$2.15M · min. income ≈ HK$20,826/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$10,901
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,193
−HK$297/mo
Today · 4.125%
HK$11,490
baseline
▲ 0.50% · 4.625%
HK$12,096
+HK$606/mo
Deposit HK$921K · loan HK$2.15M · min. income ≈ HK$22,980/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$12,598
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,990
−HK$398/mo
Today · 4.125%
HK$13,388
baseline
▲ 0.50% · 4.625%
HK$14,203
+HK$815/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$26,776/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$14,016
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,391
−HK$382/mo
Today · 4.125%
HK$14,773
baseline
▲ 0.50% · 4.625%
HK$15,552
+HK$779/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$29,546/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).