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$7,007
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,225
−HK$221/mo
Today · 4.125%
HK$7,446
baseline
▲ 0.50% · 4.625%
HK$7,899
+HK$453/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,892/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$7,795
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,004
−HK$212/mo
Today · 4.125%
HK$8,216
baseline
▲ 0.50% · 4.625%
HK$8,649
+HK$433/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,432/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$8,408
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,670
−HK$265/mo
Today · 4.125%
HK$8,935
baseline
▲ 0.50% · 4.625%
HK$9,479
+HK$544/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,870/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$9,354
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,605
−HK$254/mo
Today · 4.125%
HK$9,859
baseline
▲ 0.50% · 4.625%
HK$10,379
+HK$520/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,718/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$9,810
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,115
−HK$310/mo
Today · 4.125%
HK$10,425
baseline
▲ 0.50% · 4.625%
HK$11,059
+HK$634/mo
Deposit HK$922K · loan HK$2.15M · min. income ≈ HK$20,850/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$10,913
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,206
−HK$297/mo
Today · 4.125%
HK$11,503
baseline
▲ 0.50% · 4.625%
HK$12,109
+HK$606/mo
Deposit HK$922K · loan HK$2.15M · min. income ≈ HK$23,006/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$12,612
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,005
−HK$398/mo
Today · 4.125%
HK$13,403
baseline
▲ 0.50% · 4.625%
HK$14,219
+HK$816/mo
Deposit HK$307K · loan HK$2.77M · min. income ≈ HK$26,806/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$14,031
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,407
−HK$382/mo
Today · 4.125%
HK$14,789
baseline
▲ 0.50% · 4.625%
HK$15,569
+HK$780/mo
Deposit HK$307K · loan HK$2.77M · min. income ≈ HK$29,578/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).