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$7,008
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,226
−HK$222/mo
Today · 4.125%
HK$7,448
baseline
▲ 0.50% · 4.625%
HK$7,901
+HK$453/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,896/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$7,797
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,006
−HK$212/mo
Today · 4.125%
HK$8,218
baseline
▲ 0.50% · 4.625%
HK$8,651
+HK$433/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,436/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$8,410
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,672
−HK$265/mo
Today · 4.125%
HK$8,937
baseline
▲ 0.50% · 4.625%
HK$9,481
+HK$544/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,874/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$9,356
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,607
−HK$255/mo
Today · 4.125%
HK$9,862
baseline
▲ 0.50% · 4.625%
HK$10,381
+HK$519/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,724/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$9,812
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,117
−HK$310/mo
Today · 4.125%
HK$10,427
baseline
▲ 0.50% · 4.625%
HK$11,061
+HK$634/mo
Deposit HK$922K · loan HK$2.15M · min. income ≈ HK$20,854/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$10,915
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,208
−HK$297/mo
Today · 4.125%
HK$11,505
baseline
▲ 0.50% · 4.625%
HK$12,112
+HK$607/mo
Deposit HK$922K · loan HK$2.15M · min. income ≈ HK$23,010/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$12,615
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,007
−HK$399/mo
Today · 4.125%
HK$13,406
baseline
▲ 0.50% · 4.625%
HK$14,222
+HK$816/mo
Deposit HK$307K · loan HK$2.77M · min. income ≈ HK$26,812/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$14,034
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,411
−HK$381/mo
Today · 4.125%
HK$14,792
baseline
▲ 0.50% · 4.625%
HK$15,572
+HK$780/mo
Deposit HK$307K · loan HK$2.77M · min. income ≈ HK$29,584/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).