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$6,993
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,211
−HK$221/mo
Today · 4.125%
HK$7,432
baseline
▲ 0.50% · 4.625%
HK$7,884
+HK$452/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,864/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$7,780
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,988
−HK$212/mo
Today · 4.125%
HK$8,200
baseline
▲ 0.50% · 4.625%
HK$8,632
+HK$432/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,400/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$8,392
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,653
−HK$265/mo
Today · 4.125%
HK$8,918
baseline
▲ 0.50% · 4.625%
HK$9,461
+HK$543/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,836/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$9,336
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,586
−HK$254/mo
Today · 4.125%
HK$9,840
baseline
▲ 0.50% · 4.625%
HK$10,359
+HK$519/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,680/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$9,790
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,095
−HK$309/mo
Today · 4.125%
HK$10,404
baseline
▲ 0.50% · 4.625%
HK$11,037
+HK$633/mo
Deposit HK$920K · loan HK$2.15M · min. income ≈ HK$20,808/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$10,892
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,184
−HK$296/mo
Today · 4.125%
HK$11,480
baseline
▲ 0.50% · 4.625%
HK$12,085
+HK$605/mo
Deposit HK$920K · loan HK$2.15M · min. income ≈ HK$22,960/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$12,588
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,979
−HK$398/mo
Today · 4.125%
HK$13,377
baseline
▲ 0.50% · 4.625%
HK$14,191
+HK$814/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$26,754/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$14,004
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,379
−HK$381/mo
Today · 4.125%
HK$14,760
baseline
▲ 0.50% · 4.625%
HK$15,538
+HK$778/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$29,520/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).