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$7,030
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,248
−HK$222/mo
Today · 4.125%
HK$7,470
baseline
▲ 0.50% · 4.625%
HK$7,925
+HK$455/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,940/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$7,820
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,030
−HK$213/mo
Today · 4.125%
HK$8,243
baseline
▲ 0.50% · 4.625%
HK$8,677
+HK$434/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,486/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$8,436
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,698
−HK$267/mo
Today · 4.125%
HK$8,965
baseline
▲ 0.50% · 4.625%
HK$9,510
+HK$545/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,930/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$9,384
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,636
−HK$255/mo
Today · 4.125%
HK$9,891
baseline
▲ 0.50% · 4.625%
HK$10,413
+HK$522/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,782/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$9,841
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,148
−HK$311/mo
Today · 4.125%
HK$10,459
baseline
▲ 0.50% · 4.625%
HK$11,095
+HK$636/mo
Deposit HK$925K · loan HK$2.16M · min. income ≈ HK$20,918/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,949
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,242
−HK$298/mo
Today · 4.125%
HK$11,540
baseline
▲ 0.50% · 4.625%
HK$12,148
+HK$608/mo
Deposit HK$925K · loan HK$2.16M · min. income ≈ HK$23,080/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,653
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,047
−HK$400/mo
Today · 4.125%
HK$13,447
baseline
▲ 0.50% · 4.625%
HK$14,265
+HK$818/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,894/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$14,077
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,454
−HK$383/mo
Today · 4.125%
HK$14,837
baseline
▲ 0.50% · 4.625%
HK$15,619
+HK$782/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,674/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).