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$7,005
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,223
−HK$221/mo
Today · 4.125%
HK$7,444
baseline
▲ 0.50% · 4.625%
HK$7,897
+HK$453/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,888/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$7,793
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,002
−HK$212/mo
Today · 4.125%
HK$8,214
baseline
▲ 0.50% · 4.625%
HK$8,647
+HK$433/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,428/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$8,406
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,668
−HK$265/mo
Today · 4.125%
HK$8,933
baseline
▲ 0.50% · 4.625%
HK$9,477
+HK$544/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,866/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$9,352
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,603
−HK$254/mo
Today · 4.125%
HK$9,857
baseline
▲ 0.50% · 4.625%
HK$10,377
+HK$520/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,714/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$9,807
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,112
−HK$310/mo
Today · 4.125%
HK$10,422
baseline
▲ 0.50% · 4.625%
HK$11,056
+HK$634/mo
Deposit HK$922K · loan HK$2.15M · min. income ≈ HK$20,844/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$10,910
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,203
−HK$297/mo
Today · 4.125%
HK$11,500
baseline
▲ 0.50% · 4.625%
HK$12,106
+HK$606/mo
Deposit HK$922K · loan HK$2.15M · min. income ≈ HK$23,000/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$12,609
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,001
−HK$399/mo
Today · 4.125%
HK$13,400
baseline
▲ 0.50% · 4.625%
HK$14,215
+HK$815/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$26,800/mo (50% DSR)
Upfront cash ≈ HK$307K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,028
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,404
−HK$381/mo
Today · 4.125%
HK$14,785
baseline
▲ 0.50% · 4.625%
HK$15,565
+HK$780/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$29,570/mo (50% DSR)
Upfront cash ≈ HK$307K (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).