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$7,036
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,255
−HK$223/mo
Today · 4.125%
HK$7,478
baseline
▲ 0.50% · 4.625%
HK$7,933
+HK$455/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,956/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$7,828
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,038
−HK$213/mo
Today · 4.125%
HK$8,251
baseline
▲ 0.50% · 4.625%
HK$8,686
+HK$435/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,502/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$8,444
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,706
−HK$267/mo
Today · 4.125%
HK$8,973
baseline
▲ 0.50% · 4.625%
HK$9,519
+HK$546/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,946/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$9,394
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,645
−HK$256/mo
Today · 4.125%
HK$9,901
baseline
▲ 0.50% · 4.625%
HK$10,423
+HK$522/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,802/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$9,851
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,157
−HK$312/mo
Today · 4.125%
HK$10,469
baseline
▲ 0.50% · 4.625%
HK$11,106
+HK$637/mo
Deposit HK$926K · loan HK$2.16M · min. income ≈ HK$20,938/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,959
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,253
−HK$298/mo
Today · 4.125%
HK$11,551
baseline
▲ 0.50% · 4.625%
HK$12,160
+HK$609/mo
Deposit HK$926K · loan HK$2.16M · min. income ≈ HK$23,102/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,666
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,060
−HK$400/mo
Today · 4.125%
HK$13,460
baseline
▲ 0.50% · 4.625%
HK$14,279
+HK$819/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,920/mo (50% DSR)
Upfront cash ≈ HK$309K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,090
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,468
−HK$384/mo
Today · 4.125%
HK$14,852
baseline
▲ 0.50% · 4.625%
HK$15,634
+HK$782/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,704/mo (50% DSR)
Upfront cash ≈ HK$309K (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).