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$7,028
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,247
−HK$222/mo
Today · 4.125%
HK$7,469
baseline
▲ 0.50% · 4.625%
HK$7,924
+HK$455/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,938/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$7,819
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,029
−HK$212/mo
Today · 4.125%
HK$8,241
baseline
▲ 0.50% · 4.625%
HK$8,676
+HK$435/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,482/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$8,434
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,696
−HK$267/mo
Today · 4.125%
HK$8,963
baseline
▲ 0.50% · 4.625%
HK$9,508
+HK$545/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,926/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$9,383
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,634
−HK$256/mo
Today · 4.125%
HK$9,890
baseline
▲ 0.50% · 4.625%
HK$10,411
+HK$521/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,780/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$9,840
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,146
−HK$311/mo
Today · 4.125%
HK$10,457
baseline
▲ 0.50% · 4.625%
HK$11,093
+HK$636/mo
Deposit HK$925K · loan HK$2.16M · min. income ≈ HK$20,914/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$10,947
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,240
−HK$298/mo
Today · 4.125%
HK$11,538
baseline
▲ 0.50% · 4.625%
HK$12,146
+HK$608/mo
Deposit HK$925K · loan HK$2.16M · min. income ≈ HK$23,076/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$12,651
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,045
−HK$399/mo
Today · 4.125%
HK$13,444
baseline
▲ 0.50% · 4.625%
HK$14,262
+HK$818/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,888/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$14,074
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,452
−HK$383/mo
Today · 4.125%
HK$14,835
baseline
▲ 0.50% · 4.625%
HK$15,617
+HK$782/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,670/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).