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$7,010
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,228
−HK$222/mo
Today · 4.125%
HK$7,450
baseline
▲ 0.50% · 4.625%
HK$7,903
+HK$453/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,900/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$7,798
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,008
−HK$212/mo
Today · 4.125%
HK$8,220
baseline
▲ 0.50% · 4.625%
HK$8,653
+HK$433/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,440/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$8,412
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,674
−HK$265/mo
Today · 4.125%
HK$8,939
baseline
▲ 0.50% · 4.625%
HK$9,483
+HK$544/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,878/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$9,358
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,609
−HK$255/mo
Today · 4.125%
HK$9,864
baseline
▲ 0.50% · 4.625%
HK$10,384
+HK$520/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,728/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$9,814
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,119
−HK$310/mo
Today · 4.125%
HK$10,429
baseline
▲ 0.50% · 4.625%
HK$11,064
+HK$635/mo
Deposit HK$922K · loan HK$2.15M · min. income ≈ HK$20,858/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$10,918
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,211
−HK$297/mo
Today · 4.125%
HK$11,508
baseline
▲ 0.50% · 4.625%
HK$12,114
+HK$606/mo
Deposit HK$922K · loan HK$2.15M · min. income ≈ HK$23,016/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$12,618
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,010
−HK$399/mo
Today · 4.125%
HK$13,409
baseline
▲ 0.50% · 4.625%
HK$14,225
+HK$816/mo
Deposit HK$307K · loan HK$2.77M · min. income ≈ HK$26,818/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$14,037
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,414
−HK$382/mo
Today · 4.125%
HK$14,796
baseline
▲ 0.50% · 4.625%
HK$15,576
+HK$780/mo
Deposit HK$307K · loan HK$2.77M · min. income ≈ HK$29,592/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).