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$439/mo
▼ 0.25% · 3.875%
HK$7,233
−HK$221/mo
Today · 4.125%
HK$7,454
baseline
▲ 0.50% · 4.625%
HK$7,908
+HK$454/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,908/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$421/mo
▼ 0.25% · 3.875%
HK$8,013
−HK$212/mo
Today · 4.125%
HK$8,225
baseline
▲ 0.50% · 4.625%
HK$8,659
+HK$434/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,450/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$8,417
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,679
−HK$266/mo
Today · 4.125%
HK$8,945
baseline
▲ 0.50% · 4.625%
HK$9,490
+HK$545/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,890/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$9,364
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,615
−HK$255/mo
Today · 4.125%
HK$9,870
baseline
▲ 0.50% · 4.625%
HK$10,391
+HK$521/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,740/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$9,820
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,126
−HK$310/mo
Today · 4.125%
HK$10,436
baseline
▲ 0.50% · 4.625%
HK$11,071
+HK$635/mo
Deposit HK$923K · loan HK$2.15M · min. income ≈ HK$20,872/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$10,925
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,218
−HK$297/mo
Today · 4.125%
HK$11,515
baseline
▲ 0.50% · 4.625%
HK$12,122
+HK$607/mo
Deposit HK$923K · loan HK$2.15M · min. income ≈ HK$23,030/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$12,626
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,019
−HK$399/mo
Today · 4.125%
HK$13,418
baseline
▲ 0.50% · 4.625%
HK$14,234
+HK$816/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,836/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$14,046
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,423
−HK$382/mo
Today · 4.125%
HK$14,805
baseline
▲ 0.50% · 4.625%
HK$15,586
+HK$781/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,610/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).