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$7,000
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,218
−HK$221/mo
Today · 4.125%
HK$7,439
baseline
▲ 0.50% · 4.625%
HK$7,892
+HK$453/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,878/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,787
−HK$421/mo
▼ 0.25% · 3.875%
HK$7,996
−HK$212/mo
Today · 4.125%
HK$8,208
baseline
▲ 0.50% · 4.625%
HK$8,641
+HK$433/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,416/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,400
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,661
−HK$266/mo
Today · 4.125%
HK$8,927
baseline
▲ 0.50% · 4.625%
HK$9,470
+HK$543/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,854/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$9,345
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,596
−HK$254/mo
Today · 4.125%
HK$9,850
baseline
▲ 0.50% · 4.625%
HK$10,369
+HK$519/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,700/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$9,800
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,105
−HK$310/mo
Today · 4.125%
HK$10,415
baseline
▲ 0.50% · 4.625%
HK$11,048
+HK$633/mo
Deposit HK$921K · loan HK$2.15M · min. income ≈ HK$20,830/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$10,902
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,195
−HK$296/mo
Today · 4.125%
HK$11,491
baseline
▲ 0.50% · 4.625%
HK$12,097
+HK$606/mo
Deposit HK$921K · loan HK$2.15M · min. income ≈ HK$22,982/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$12,600
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,992
−HK$398/mo
Today · 4.125%
HK$13,390
baseline
▲ 0.50% · 4.625%
HK$14,205
+HK$815/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$26,780/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$14,017
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,393
−HK$382/mo
Today · 4.125%
HK$14,775
baseline
▲ 0.50% · 4.625%
HK$15,554
+HK$779/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$29,550/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).