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$7,009
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,227
−HK$222/mo
Today · 4.125%
HK$7,449
baseline
▲ 0.50% · 4.625%
HK$7,902
+HK$453/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,898/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$421/mo
▼ 0.25% · 3.875%
HK$8,007
−HK$212/mo
Today · 4.125%
HK$8,219
baseline
▲ 0.50% · 4.625%
HK$8,652
+HK$433/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,438/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$8,411
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,673
−HK$266/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$505/mo
▼ 0.25% · 3.875%
HK$9,608
−HK$255/mo
Today · 4.125%
HK$9,863
baseline
▲ 0.50% · 4.625%
HK$10,383
+HK$520/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,726/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$9,813
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,118
−HK$311/mo
Today · 4.125%
HK$10,429
baseline
▲ 0.50% · 4.625%
HK$11,063
+HK$634/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$10,917
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,210
−HK$297/mo
Today · 4.125%
HK$11,507
baseline
▲ 0.50% · 4.625%
HK$12,113
+HK$606/mo
Deposit HK$922K · loan HK$2.15M · min. income ≈ HK$23,014/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$12,617
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,009
−HK$399/mo
Today · 4.125%
HK$13,408
baseline
▲ 0.50% · 4.625%
HK$14,224
+HK$816/mo
Deposit HK$307K · loan HK$2.77M · min. income ≈ HK$26,816/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$14,036
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,413
−HK$382/mo
Today · 4.125%
HK$14,795
baseline
▲ 0.50% · 4.625%
HK$15,574
+HK$779/mo
Deposit HK$307K · loan HK$2.77M · min. income ≈ HK$29,590/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).