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$6,996
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,214
−HK$221/mo
Today · 4.125%
HK$7,435
baseline
▲ 0.50% · 4.625%
HK$7,887
+HK$452/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$7,783
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,992
−HK$211/mo
Today · 4.125%
HK$8,203
baseline
▲ 0.50% · 4.625%
HK$8,636
+HK$433/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,406/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$8,395
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,656
−HK$266/mo
Today · 4.125%
HK$8,922
baseline
▲ 0.50% · 4.625%
HK$9,464
+HK$542/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$504/mo
▼ 0.25% · 3.875%
HK$9,590
−HK$254/mo
Today · 4.125%
HK$9,844
baseline
▲ 0.50% · 4.625%
HK$10,363
+HK$519/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,688/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$9,794
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,099
−HK$310/mo
Today · 4.125%
HK$10,409
baseline
▲ 0.50% · 4.625%
HK$11,042
+HK$633/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$10,896
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,188
−HK$297/mo
Today · 4.125%
HK$11,485
baseline
▲ 0.50% · 4.625%
HK$12,090
+HK$605/mo
Deposit HK$920K · loan HK$2.15M · min. income ≈ HK$22,970/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$12,593
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,984
−HK$398/mo
Today · 4.125%
HK$13,382
baseline
▲ 0.50% · 4.625%
HK$14,197
+HK$815/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$26,764/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$14,009
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,385
−HK$381/mo
Today · 4.125%
HK$14,766
baseline
▲ 0.50% · 4.625%
HK$15,545
+HK$779/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$29,532/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).