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$440/mo
▼ 0.25% · 3.875%
HK$7,235
−HK$222/mo
Today · 4.125%
HK$7,457
baseline
▲ 0.50% · 4.625%
HK$7,910
+HK$453/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,914/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$7,806
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,015
−HK$213/mo
Today · 4.125%
HK$8,228
baseline
▲ 0.50% · 4.625%
HK$8,661
+HK$433/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,456/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$8,420
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,682
−HK$266/mo
Today · 4.125%
HK$8,948
baseline
▲ 0.50% · 4.625%
HK$9,492
+HK$544/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,896/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$9,367
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,618
−HK$255/mo
Today · 4.125%
HK$9,873
baseline
▲ 0.50% · 4.625%
HK$10,394
+HK$521/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,746/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$9,823
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,129
−HK$310/mo
Today · 4.125%
HK$10,439
baseline
▲ 0.50% · 4.625%
HK$11,074
+HK$635/mo
Deposit HK$923K · loan HK$2.15M · min. income ≈ HK$20,878/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$10,928
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,221
−HK$298/mo
Today · 4.125%
HK$11,519
baseline
▲ 0.50% · 4.625%
HK$12,126
+HK$607/mo
Deposit HK$923K · loan HK$2.15M · min. income ≈ HK$23,038/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$12,630
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,023
−HK$399/mo
Today · 4.125%
HK$13,422
baseline
▲ 0.50% · 4.625%
HK$14,239
+HK$817/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,844/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$14,051
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,427
−HK$383/mo
Today · 4.125%
HK$14,810
baseline
▲ 0.50% · 4.625%
HK$15,590
+HK$780/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,620/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).