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$7,011
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,229
−HK$221/mo
Today · 4.125%
HK$7,450
baseline
▲ 0.50% · 4.625%
HK$7,903
+HK$453/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,900/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$7,799
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,008
−HK$213/mo
Today · 4.125%
HK$8,221
baseline
▲ 0.50% · 4.625%
HK$8,654
+HK$433/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,442/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$8,413
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,674
−HK$266/mo
Today · 4.125%
HK$8,940
baseline
▲ 0.50% · 4.625%
HK$9,484
+HK$544/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,880/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$9,359
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,610
−HK$255/mo
Today · 4.125%
HK$9,865
baseline
▲ 0.50% · 4.625%
HK$10,385
+HK$520/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,730/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$9,815
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,120
−HK$310/mo
Today · 4.125%
HK$10,430
baseline
▲ 0.50% · 4.625%
HK$11,065
+HK$635/mo
Deposit HK$922K · loan HK$2.15M · min. income ≈ HK$20,860/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$10,919
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,212
−HK$297/mo
Today · 4.125%
HK$11,509
baseline
▲ 0.50% · 4.625%
HK$12,115
+HK$606/mo
Deposit HK$922K · loan HK$2.15M · min. income ≈ HK$23,018/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$12,619
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,011
−HK$399/mo
Today · 4.125%
HK$13,410
baseline
▲ 0.50% · 4.625%
HK$14,226
+HK$816/mo
Deposit HK$307K · loan HK$2.77M · min. income ≈ HK$26,820/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$14,038
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,415
−HK$382/mo
Today · 4.125%
HK$14,797
baseline
▲ 0.50% · 4.625%
HK$15,577
+HK$780/mo
Deposit HK$307K · loan HK$2.77M · min. income ≈ HK$29,594/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).