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$7,004
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,222
−HK$221/mo
Today · 4.125%
HK$7,443
baseline
▲ 0.50% · 4.625%
HK$7,896
+HK$453/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,886/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$7,792
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,001
−HK$212/mo
Today · 4.125%
HK$8,213
baseline
▲ 0.50% · 4.625%
HK$8,646
+HK$433/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,426/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$8,405
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,666
−HK$266/mo
Today · 4.125%
HK$8,932
baseline
▲ 0.50% · 4.625%
HK$9,475
+HK$543/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,864/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$9,350
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,601
−HK$255/mo
Today · 4.125%
HK$9,856
baseline
▲ 0.50% · 4.625%
HK$10,375
+HK$519/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,712/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$9,806
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,111
−HK$310/mo
Today · 4.125%
HK$10,421
baseline
▲ 0.50% · 4.625%
HK$11,055
+HK$634/mo
Deposit HK$921K · loan HK$2.15M · min. income ≈ HK$20,842/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$10,909
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,201
−HK$297/mo
Today · 4.125%
HK$11,498
baseline
▲ 0.50% · 4.625%
HK$12,104
+HK$606/mo
Deposit HK$921K · loan HK$2.15M · min. income ≈ HK$22,996/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$12,607
−HK$791/mo
▼ 0.25% · 3.875%
HK$12,999
−HK$399/mo
Today · 4.125%
HK$13,398
baseline
▲ 0.50% · 4.625%
HK$14,213
+HK$815/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$26,796/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$14,026
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,402
−HK$381/mo
Today · 4.125%
HK$14,783
baseline
▲ 0.50% · 4.625%
HK$15,563
+HK$780/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$29,566/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).