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$7,003
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,221
−HK$221/mo
Today · 4.125%
HK$7,442
baseline
▲ 0.50% · 4.625%
HK$7,895
+HK$453/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,884/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$7,791
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,000
−HK$212/mo
Today · 4.125%
HK$8,212
baseline
▲ 0.50% · 4.625%
HK$8,645
+HK$433/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,424/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$8,404
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,665
−HK$266/mo
Today · 4.125%
HK$8,931
baseline
▲ 0.50% · 4.625%
HK$9,474
+HK$543/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,862/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$9,349
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,600
−HK$254/mo
Today · 4.125%
HK$9,854
baseline
▲ 0.50% · 4.625%
HK$10,373
+HK$519/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,708/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$9,804
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,109
−HK$310/mo
Today · 4.125%
HK$10,419
baseline
▲ 0.50% · 4.625%
HK$11,053
+HK$634/mo
Deposit HK$921K · loan HK$2.15M · min. income ≈ HK$20,838/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$10,907
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,200
−HK$296/mo
Today · 4.125%
HK$11,496
baseline
▲ 0.50% · 4.625%
HK$12,102
+HK$606/mo
Deposit HK$921K · loan HK$2.15M · min. income ≈ HK$22,992/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$12,605
−HK$791/mo
▼ 0.25% · 3.875%
HK$12,998
−HK$398/mo
Today · 4.125%
HK$13,396
baseline
▲ 0.50% · 4.625%
HK$14,211
+HK$815/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$26,792/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$14,023
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,400
−HK$381/mo
Today · 4.125%
HK$14,781
baseline
▲ 0.50% · 4.625%
HK$15,560
+HK$779/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$29,562/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).