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$6,992
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,210
−HK$221/mo
Today · 4.125%
HK$7,431
baseline
▲ 0.50% · 4.625%
HK$7,883
+HK$452/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,862/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$7,779
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,988
−HK$211/mo
Today · 4.125%
HK$8,199
baseline
▲ 0.50% · 4.625%
HK$8,631
+HK$432/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,398/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$8,391
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,652
−HK$265/mo
Today · 4.125%
HK$8,917
baseline
▲ 0.50% · 4.625%
HK$9,460
+HK$543/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,834/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$9,335
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,585
−HK$254/mo
Today · 4.125%
HK$9,839
baseline
▲ 0.50% · 4.625%
HK$10,358
+HK$519/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,678/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$9,789
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,094
−HK$309/mo
Today · 4.125%
HK$10,403
baseline
▲ 0.50% · 4.625%
HK$11,036
+HK$633/mo
Deposit HK$920K · loan HK$2.15M · min. income ≈ HK$20,806/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$10,890
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,183
−HK$296/mo
Today · 4.125%
HK$11,479
baseline
▲ 0.50% · 4.625%
HK$12,084
+HK$605/mo
Deposit HK$920K · loan HK$2.15M · min. income ≈ HK$22,958/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$12,586
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,978
−HK$398/mo
Today · 4.125%
HK$13,376
baseline
▲ 0.50% · 4.625%
HK$14,189
+HK$813/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$26,752/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$14,002
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,378
−HK$381/mo
Today · 4.125%
HK$14,759
baseline
▲ 0.50% · 4.625%
HK$15,536
+HK$777/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$29,518/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).