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$7,004
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,221
−HK$222/mo
Today · 4.125%
HK$7,443
baseline
▲ 0.50% · 4.625%
HK$7,896
+HK$453/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,886/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$8,666
−HK$265/mo
Today · 4.125%
HK$8,931
baseline
▲ 0.50% · 4.625%
HK$9,475
+HK$544/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$9,350
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,601
−HK$254/mo
Today · 4.125%
HK$9,855
baseline
▲ 0.50% · 4.625%
HK$10,374
+HK$519/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,710/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$9,805
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,110
−HK$310/mo
Today · 4.125%
HK$10,420
baseline
▲ 0.50% · 4.625%
HK$11,054
+HK$634/mo
Deposit HK$921K · loan HK$2.15M · min. income ≈ HK$20,840/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,908
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,201
−HK$296/mo
Today · 4.125%
HK$11,497
baseline
▲ 0.50% · 4.625%
HK$12,103
+HK$606/mo
Deposit HK$921K · loan HK$2.15M · min. income ≈ HK$22,994/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,607
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,999
−HK$398/mo
Today · 4.125%
HK$13,397
baseline
▲ 0.50% · 4.625%
HK$14,212
+HK$815/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$26,794/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$14,025
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,401
−HK$381/mo
Today · 4.125%
HK$14,782
baseline
▲ 0.50% · 4.625%
HK$15,562
+HK$780/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$29,564/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).