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$7,022
−HK$440/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$7,812
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,021
−HK$213/mo
Today · 4.125%
HK$8,234
baseline
▲ 0.50% · 4.625%
HK$8,668
+HK$434/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,468/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$529/mo
▼ 0.25% · 3.875%
HK$8,689
−HK$266/mo
Today · 4.125%
HK$8,955
baseline
▲ 0.50% · 4.625%
HK$9,500
+HK$545/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,910/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$507/mo
▼ 0.25% · 3.875%
HK$9,626
−HK$255/mo
Today · 4.125%
HK$9,881
baseline
▲ 0.50% · 4.625%
HK$10,402
+HK$521/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,762/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$9,831
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,137
−HK$310/mo
Today · 4.125%
HK$10,447
baseline
▲ 0.50% · 4.625%
HK$11,083
+HK$636/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$20,894/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$10,937
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,230
−HK$298/mo
Today · 4.125%
HK$11,528
baseline
▲ 0.50% · 4.625%
HK$12,135
+HK$607/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$23,056/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$12,640
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,033
−HK$399/mo
Today · 4.125%
HK$13,432
baseline
▲ 0.50% · 4.625%
HK$14,250
+HK$818/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,864/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$14,061
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,439
−HK$382/mo
Today · 4.125%
HK$14,821
baseline
▲ 0.50% · 4.625%
HK$15,602
+HK$781/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,642/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).