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$7,022
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,240
−HK$222/mo
Today · 4.125%
HK$7,462
baseline
▲ 0.50% · 4.625%
HK$7,916
+HK$454/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,924/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$7,811
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,021
−HK$213/mo
Today · 4.125%
HK$8,234
baseline
▲ 0.50% · 4.625%
HK$8,668
+HK$434/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,468/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$8,426
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,688
−HK$266/mo
Today · 4.125%
HK$8,954
baseline
▲ 0.50% · 4.625%
HK$9,499
+HK$545/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,908/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$9,374
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,625
−HK$255/mo
Today · 4.125%
HK$9,880
baseline
▲ 0.50% · 4.625%
HK$10,401
+HK$521/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,760/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$9,830
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,136
−HK$311/mo
Today · 4.125%
HK$10,447
baseline
▲ 0.50% · 4.625%
HK$11,082
+HK$635/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$20,894/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$10,936
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,229
−HK$298/mo
Today · 4.125%
HK$11,527
baseline
▲ 0.50% · 4.625%
HK$12,135
+HK$608/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$23,054/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$12,639
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,032
−HK$400/mo
Today · 4.125%
HK$13,432
baseline
▲ 0.50% · 4.625%
HK$14,249
+HK$817/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,864/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$14,061
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,438
−HK$382/mo
Today · 4.125%
HK$14,820
baseline
▲ 0.50% · 4.625%
HK$15,602
+HK$782/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,640/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).