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$7,015
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,233
−HK$222/mo
Today · 4.125%
HK$7,455
baseline
▲ 0.50% · 4.625%
HK$7,909
+HK$454/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,910/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$7,804
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,014
−HK$212/mo
Today · 4.125%
HK$8,226
baseline
▲ 0.50% · 4.625%
HK$8,660
+HK$434/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,452/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$8,418
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,680
−HK$266/mo
Today · 4.125%
HK$8,946
baseline
▲ 0.50% · 4.625%
HK$9,490
+HK$544/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,892/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$9,365
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,616
−HK$255/mo
Today · 4.125%
HK$9,871
baseline
▲ 0.50% · 4.625%
HK$10,391
+HK$520/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,742/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$9,821
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,127
−HK$310/mo
Today · 4.125%
HK$10,437
baseline
▲ 0.50% · 4.625%
HK$11,072
+HK$635/mo
Deposit HK$923K · loan HK$2.15M · min. income ≈ HK$20,874/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,926
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,219
−HK$297/mo
Today · 4.125%
HK$11,516
baseline
▲ 0.50% · 4.625%
HK$12,123
+HK$607/mo
Deposit HK$923K · loan HK$2.15M · min. income ≈ HK$23,032/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,627
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,020
−HK$399/mo
Today · 4.125%
HK$13,419
baseline
▲ 0.50% · 4.625%
HK$14,236
+HK$817/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,838/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$14,048
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,425
−HK$382/mo
Today · 4.125%
HK$14,807
baseline
▲ 0.50% · 4.625%
HK$15,587
+HK$780/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,614/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).