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$440/mo
▼ 0.25% · 3.875%
HK$7,229
−HK$222/mo
Today · 4.125%
HK$7,451
baseline
▲ 0.50% · 4.625%
HK$7,904
+HK$453/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,902/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$7,800
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,009
−HK$212/mo
Today · 4.125%
HK$8,221
baseline
▲ 0.50% · 4.625%
HK$8,655
+HK$434/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$528/mo
▼ 0.25% · 3.875%
HK$8,675
−HK$266/mo
Today · 4.125%
HK$8,941
baseline
▲ 0.50% · 4.625%
HK$9,485
+HK$544/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,882/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$9,360
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,611
−HK$255/mo
Today · 4.125%
HK$9,866
baseline
▲ 0.50% · 4.625%
HK$10,386
+HK$520/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,732/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$9,816
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,121
−HK$310/mo
Today · 4.125%
HK$10,431
baseline
▲ 0.50% · 4.625%
HK$11,066
+HK$635/mo
Deposit HK$922K · loan HK$2.15M · min. income ≈ HK$20,862/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$10,920
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,213
−HK$297/mo
Today · 4.125%
HK$11,510
baseline
▲ 0.50% · 4.625%
HK$12,116
+HK$606/mo
Deposit HK$922K · loan HK$2.15M · min. income ≈ HK$23,020/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$12,620
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,013
−HK$398/mo
Today · 4.125%
HK$13,411
baseline
▲ 0.50% · 4.625%
HK$14,228
+HK$817/mo
Deposit HK$307K · loan HK$2.77M · min. income ≈ HK$26,822/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$14,040
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,416
−HK$382/mo
Today · 4.125%
HK$14,798
baseline
▲ 0.50% · 4.625%
HK$15,578
+HK$780/mo
Deposit HK$307K · loan HK$2.77M · min. income ≈ HK$29,596/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).