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$7,001
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,218
−HK$222/mo
Today · 4.125%
HK$7,440
baseline
▲ 0.50% · 4.625%
HK$7,892
+HK$452/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,880/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$7,788
−HK$421/mo
▼ 0.25% · 3.875%
HK$7,997
−HK$212/mo
Today · 4.125%
HK$8,209
baseline
▲ 0.50% · 4.625%
HK$8,642
+HK$433/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,418/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$8,401
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,662
−HK$266/mo
Today · 4.125%
HK$8,928
baseline
▲ 0.50% · 4.625%
HK$9,471
+HK$543/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,856/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$9,346
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,596
−HK$255/mo
Today · 4.125%
HK$9,851
baseline
▲ 0.50% · 4.625%
HK$10,370
+HK$519/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,702/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$9,801
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,106
−HK$310/mo
Today · 4.125%
HK$10,416
baseline
▲ 0.50% · 4.625%
HK$11,049
+HK$633/mo
Deposit HK$921K · loan HK$2.15M · min. income ≈ HK$20,832/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,903
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,196
−HK$297/mo
Today · 4.125%
HK$11,493
baseline
▲ 0.50% · 4.625%
HK$12,098
+HK$605/mo
Deposit HK$921K · loan HK$2.15M · min. income ≈ HK$22,986/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,601
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,993
−HK$398/mo
Today · 4.125%
HK$13,391
baseline
▲ 0.50% · 4.625%
HK$14,206
+HK$815/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$26,782/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$14,019
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,395
−HK$381/mo
Today · 4.125%
HK$14,776
baseline
▲ 0.50% · 4.625%
HK$15,555
+HK$779/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$29,552/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).