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$7,019
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,237
−HK$222/mo
Today · 4.125%
HK$7,459
baseline
▲ 0.50% · 4.625%
HK$7,913
+HK$454/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,918/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$7,809
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,018
−HK$213/mo
Today · 4.125%
HK$8,231
baseline
▲ 0.50% · 4.625%
HK$8,664
+HK$433/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,462/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$8,423
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,685
−HK$266/mo
Today · 4.125%
HK$8,951
baseline
▲ 0.50% · 4.625%
HK$9,496
+HK$545/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,902/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$9,370
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,622
−HK$255/mo
Today · 4.125%
HK$9,877
baseline
▲ 0.50% · 4.625%
HK$10,397
+HK$520/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,754/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$9,827
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,132
−HK$311/mo
Today · 4.125%
HK$10,443
baseline
▲ 0.50% · 4.625%
HK$11,078
+HK$635/mo
Deposit HK$923K · loan HK$2.15M · min. income ≈ HK$20,886/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,932
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,225
−HK$298/mo
Today · 4.125%
HK$11,523
baseline
▲ 0.50% · 4.625%
HK$12,130
+HK$607/mo
Deposit HK$923K · loan HK$2.15M · min. income ≈ HK$23,046/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,634
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,027
−HK$400/mo
Today · 4.125%
HK$13,427
baseline
▲ 0.50% · 4.625%
HK$14,244
+HK$817/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,854/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$14,056
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,433
−HK$382/mo
Today · 4.125%
HK$14,815
baseline
▲ 0.50% · 4.625%
HK$15,596
+HK$781/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,630/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).