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$7,018
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,237
−HK$221/mo
Today · 4.125%
HK$7,458
baseline
▲ 0.50% · 4.625%
HK$7,912
+HK$454/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,916/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$7,808
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,017
−HK$213/mo
Today · 4.125%
HK$8,230
baseline
▲ 0.50% · 4.625%
HK$8,663
+HK$433/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,460/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$8,422
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,684
−HK$266/mo
Today · 4.125%
HK$8,950
baseline
▲ 0.50% · 4.625%
HK$9,495
+HK$545/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,900/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$9,369
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,621
−HK$255/mo
Today · 4.125%
HK$9,876
baseline
▲ 0.50% · 4.625%
HK$10,396
+HK$520/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,752/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$9,826
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,131
−HK$311/mo
Today · 4.125%
HK$10,442
baseline
▲ 0.50% · 4.625%
HK$11,077
+HK$635/mo
Deposit HK$923K · loan HK$2.15M · min. income ≈ HK$20,884/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,931
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,224
−HK$298/mo
Today · 4.125%
HK$11,522
baseline
▲ 0.50% · 4.625%
HK$12,129
+HK$607/mo
Deposit HK$923K · loan HK$2.15M · min. income ≈ HK$23,044/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,633
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,026
−HK$399/mo
Today · 4.125%
HK$13,425
baseline
▲ 0.50% · 4.625%
HK$14,242
+HK$817/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,850/mo (50% DSR)
Upfront cash ≈ HK$308K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,054
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,431
−HK$382/mo
Today · 4.125%
HK$14,813
baseline
▲ 0.50% · 4.625%
HK$15,594
+HK$781/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,626/mo (50% DSR)
Upfront cash ≈ HK$308K (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).