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$7,026
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,244
−HK$222/mo
Today · 4.125%
HK$7,466
baseline
▲ 0.50% · 4.625%
HK$7,921
+HK$455/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,932/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$7,816
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,026
−HK$212/mo
Today · 4.125%
HK$8,238
baseline
▲ 0.50% · 4.625%
HK$8,672
+HK$434/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,476/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$8,431
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,693
−HK$266/mo
Today · 4.125%
HK$8,959
baseline
▲ 0.50% · 4.625%
HK$9,505
+HK$546/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,918/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$9,379
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,631
−HK$255/mo
Today · 4.125%
HK$9,886
baseline
▲ 0.50% · 4.625%
HK$10,407
+HK$521/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,772/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$9,836
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,142
−HK$311/mo
Today · 4.125%
HK$10,453
baseline
▲ 0.50% · 4.625%
HK$11,089
+HK$636/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$20,906/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$10,942
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,236
−HK$298/mo
Today · 4.125%
HK$11,534
baseline
▲ 0.50% · 4.625%
HK$12,141
+HK$607/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$23,068/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$12,646
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,040
−HK$399/mo
Today · 4.125%
HK$13,439
baseline
▲ 0.50% · 4.625%
HK$14,257
+HK$818/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,878/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$14,069
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,446
−HK$383/mo
Today · 4.125%
HK$14,829
baseline
▲ 0.50% · 4.625%
HK$15,610
+HK$781/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,658/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).