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$7,012
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,230
−HK$222/mo
Today · 4.125%
HK$7,452
baseline
▲ 0.50% · 4.625%
HK$7,905
+HK$453/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,904/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$7,801
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,010
−HK$212/mo
Today · 4.125%
HK$8,222
baseline
▲ 0.50% · 4.625%
HK$8,656
+HK$434/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,444/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$8,415
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,676
−HK$266/mo
Today · 4.125%
HK$8,942
baseline
▲ 0.50% · 4.625%
HK$9,486
+HK$544/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,884/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$9,361
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,612
−HK$255/mo
Today · 4.125%
HK$9,867
baseline
▲ 0.50% · 4.625%
HK$10,387
+HK$520/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,734/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$9,817
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,122
−HK$311/mo
Today · 4.125%
HK$10,433
baseline
▲ 0.50% · 4.625%
HK$11,067
+HK$634/mo
Deposit HK$923K · loan HK$2.15M · min. income ≈ HK$20,866/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$10,921
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,214
−HK$297/mo
Today · 4.125%
HK$11,511
baseline
▲ 0.50% · 4.625%
HK$12,118
+HK$607/mo
Deposit HK$923K · loan HK$2.15M · min. income ≈ HK$23,022/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$12,622
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,015
−HK$398/mo
Today · 4.125%
HK$13,413
baseline
▲ 0.50% · 4.625%
HK$14,230
+HK$817/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,826/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$14,042
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,418
−HK$382/mo
Today · 4.125%
HK$14,800
baseline
▲ 0.50% · 4.625%
HK$15,581
+HK$781/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,600/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).