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$7,013
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,232
−HK$221/mo
Today · 4.125%
HK$7,453
baseline
▲ 0.50% · 4.625%
HK$7,907
+HK$454/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,906/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$7,802
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,012
−HK$212/mo
Today · 4.125%
HK$8,224
baseline
▲ 0.50% · 4.625%
HK$8,657
+HK$433/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,448/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$8,416
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,678
−HK$266/mo
Today · 4.125%
HK$8,944
baseline
▲ 0.50% · 4.625%
HK$9,488
+HK$544/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,888/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$9,363
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,614
−HK$255/mo
Today · 4.125%
HK$9,869
baseline
▲ 0.50% · 4.625%
HK$10,389
+HK$520/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,738/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$9,819
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,124
−HK$310/mo
Today · 4.125%
HK$10,434
baseline
▲ 0.50% · 4.625%
HK$11,069
+HK$635/mo
Deposit HK$923K · loan HK$2.15M · min. income ≈ HK$20,868/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$10,923
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,216
−HK$297/mo
Today · 4.125%
HK$11,513
baseline
▲ 0.50% · 4.625%
HK$12,120
+HK$607/mo
Deposit HK$923K · loan HK$2.15M · min. income ≈ HK$23,026/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$12,624
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,017
−HK$399/mo
Today · 4.125%
HK$13,416
baseline
▲ 0.50% · 4.625%
HK$14,232
+HK$816/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,832/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$14,044
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,421
−HK$382/mo
Today · 4.125%
HK$14,803
baseline
▲ 0.50% · 4.625%
HK$15,583
+HK$780/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,606/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).