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$7,017
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,236
−HK$222/mo
Today · 4.125%
HK$7,458
baseline
▲ 0.50% · 4.625%
HK$7,911
+HK$453/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$7,807
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,016
−HK$213/mo
Today · 4.125%
HK$8,229
baseline
▲ 0.50% · 4.625%
HK$8,662
+HK$433/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,458/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$8,421
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,683
−HK$266/mo
Today · 4.125%
HK$8,949
baseline
▲ 0.50% · 4.625%
HK$9,494
+HK$545/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,898/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$9,368
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,620
−HK$254/mo
Today · 4.125%
HK$9,874
baseline
▲ 0.50% · 4.625%
HK$10,395
+HK$521/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,748/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$9,824
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,130
−HK$311/mo
Today · 4.125%
HK$10,441
baseline
▲ 0.50% · 4.625%
HK$11,076
+HK$635/mo
Deposit HK$923K · loan HK$2.15M · min. income ≈ HK$20,882/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$10,930
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,223
−HK$297/mo
Today · 4.125%
HK$11,520
baseline
▲ 0.50% · 4.625%
HK$12,127
+HK$607/mo
Deposit HK$923K · loan HK$2.15M · min. income ≈ HK$23,040/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$12,631
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,024
−HK$400/mo
Today · 4.125%
HK$13,424
baseline
▲ 0.50% · 4.625%
HK$14,240
+HK$816/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,848/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$14,052
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,429
−HK$383/mo
Today · 4.125%
HK$14,812
baseline
▲ 0.50% · 4.625%
HK$15,592
+HK$780/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,624/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).