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$7,020
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,239
−HK$222/mo
Today · 4.125%
HK$7,461
baseline
▲ 0.50% · 4.625%
HK$7,915
+HK$454/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,922/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$7,810
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,020
−HK$212/mo
Today · 4.125%
HK$8,232
baseline
▲ 0.50% · 4.625%
HK$8,666
+HK$434/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,464/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$8,425
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,687
−HK$266/mo
Today · 4.125%
HK$8,953
baseline
▲ 0.50% · 4.625%
HK$9,498
+HK$545/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,906/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$9,372
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,624
−HK$255/mo
Today · 4.125%
HK$9,879
baseline
▲ 0.50% · 4.625%
HK$10,399
+HK$520/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,758/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$9,829
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,134
−HK$311/mo
Today · 4.125%
HK$10,445
baseline
▲ 0.50% · 4.625%
HK$11,080
+HK$635/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$20,890/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,934
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,227
−HK$298/mo
Today · 4.125%
HK$11,525
baseline
▲ 0.50% · 4.625%
HK$12,132
+HK$607/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$23,050/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,637
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,030
−HK$399/mo
Today · 4.125%
HK$13,429
baseline
▲ 0.50% · 4.625%
HK$14,246
+HK$817/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,858/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$14,058
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,435
−HK$383/mo
Today · 4.125%
HK$14,818
baseline
▲ 0.50% · 4.625%
HK$15,599
+HK$781/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,636/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).