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$7,009
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,227
−HK$221/mo
Today · 4.125%
HK$7,448
baseline
▲ 0.50% · 4.625%
HK$7,901
+HK$453/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,896/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$7,797
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,006
−HK$212/mo
Today · 4.125%
HK$8,218
baseline
▲ 0.50% · 4.625%
HK$8,652
+HK$434/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,436/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$8,410
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,672
−HK$266/mo
Today · 4.125%
HK$8,938
baseline
▲ 0.50% · 4.625%
HK$9,482
+HK$544/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,876/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$9,357
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,608
−HK$254/mo
Today · 4.125%
HK$9,862
baseline
▲ 0.50% · 4.625%
HK$10,382
+HK$520/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,724/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$9,812
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,117
−HK$311/mo
Today · 4.125%
HK$10,428
baseline
▲ 0.50% · 4.625%
HK$11,062
+HK$634/mo
Deposit HK$922K · loan HK$2.15M · min. income ≈ HK$20,856/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$10,916
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,209
−HK$297/mo
Today · 4.125%
HK$11,506
baseline
▲ 0.50% · 4.625%
HK$12,112
+HK$606/mo
Deposit HK$922K · loan HK$2.15M · min. income ≈ HK$23,012/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$12,616
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,008
−HK$399/mo
Today · 4.125%
HK$13,407
baseline
▲ 0.50% · 4.625%
HK$14,223
+HK$816/mo
Deposit HK$307K · loan HK$2.77M · min. income ≈ HK$26,814/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$14,035
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,411
−HK$382/mo
Today · 4.125%
HK$14,793
baseline
▲ 0.50% · 4.625%
HK$15,573
+HK$780/mo
Deposit HK$307K · loan HK$2.77M · min. income ≈ HK$29,586/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).