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$7,021
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,240
−HK$222/mo
Today · 4.125%
HK$7,462
baseline
▲ 0.50% · 4.625%
HK$7,916
+HK$454/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,924/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$7,811
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,021
−HK$212/mo
Today · 4.125%
HK$8,233
baseline
▲ 0.50% · 4.625%
HK$8,667
+HK$434/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,466/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$8,426
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,688
−HK$266/mo
Today · 4.125%
HK$8,954
baseline
▲ 0.50% · 4.625%
HK$9,499
+HK$545/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,908/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$9,374
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,625
−HK$255/mo
Today · 4.125%
HK$9,880
baseline
▲ 0.50% · 4.625%
HK$10,401
+HK$521/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,760/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$9,830
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,136
−HK$310/mo
Today · 4.125%
HK$10,446
baseline
▲ 0.50% · 4.625%
HK$11,082
+HK$636/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$20,892/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,936
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,229
−HK$298/mo
Today · 4.125%
HK$11,527
baseline
▲ 0.50% · 4.625%
HK$12,134
+HK$607/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$23,054/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,639
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,032
−HK$399/mo
Today · 4.125%
HK$13,431
baseline
▲ 0.50% · 4.625%
HK$14,248
+HK$817/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,862/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$14,060
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,437
−HK$383/mo
Today · 4.125%
HK$14,820
baseline
▲ 0.50% · 4.625%
HK$15,601
+HK$781/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,640/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).