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$7,030
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,249
−HK$222/mo
Today · 4.125%
HK$7,471
baseline
▲ 0.50% · 4.625%
HK$7,926
+HK$455/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,942/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$7,821
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,031
−HK$213/mo
Today · 4.125%
HK$8,244
baseline
▲ 0.50% · 4.625%
HK$8,678
+HK$434/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,488/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$8,436
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,699
−HK$266/mo
Today · 4.125%
HK$8,965
baseline
▲ 0.50% · 4.625%
HK$9,511
+HK$546/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,930/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$9,385
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,637
−HK$255/mo
Today · 4.125%
HK$9,892
baseline
▲ 0.50% · 4.625%
HK$10,414
+HK$522/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,784/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$9,842
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,148
−HK$312/mo
Today · 4.125%
HK$10,460
baseline
▲ 0.50% · 4.625%
HK$11,096
+HK$636/mo
Deposit HK$925K · loan HK$2.16M · min. income ≈ HK$20,920/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,950
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,243
−HK$298/mo
Today · 4.125%
HK$11,541
baseline
▲ 0.50% · 4.625%
HK$12,149
+HK$608/mo
Deposit HK$925K · loan HK$2.16M · min. income ≈ HK$23,082/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,654
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,048
−HK$400/mo
Today · 4.125%
HK$13,448
baseline
▲ 0.50% · 4.625%
HK$14,266
+HK$818/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,896/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$14,078
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,456
−HK$383/mo
Today · 4.125%
HK$14,839
baseline
▲ 0.50% · 4.625%
HK$15,621
+HK$782/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,678/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).