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$7,035
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,254
−HK$223/mo
Today · 4.125%
HK$7,477
baseline
▲ 0.50% · 4.625%
HK$7,932
+HK$455/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,954/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$7,827
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,037
−HK$213/mo
Today · 4.125%
HK$8,250
baseline
▲ 0.50% · 4.625%
HK$8,685
+HK$435/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,500/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$8,443
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,705
−HK$267/mo
Today · 4.125%
HK$8,972
baseline
▲ 0.50% · 4.625%
HK$9,518
+HK$546/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,944/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$9,392
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,644
−HK$256/mo
Today · 4.125%
HK$9,900
baseline
▲ 0.50% · 4.625%
HK$10,422
+HK$522/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,800/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$9,850
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,156
−HK$311/mo
Today · 4.125%
HK$10,467
baseline
▲ 0.50% · 4.625%
HK$11,104
+HK$637/mo
Deposit HK$926K · loan HK$2.16M · min. income ≈ HK$20,934/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$10,958
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,252
−HK$298/mo
Today · 4.125%
HK$11,550
baseline
▲ 0.50% · 4.625%
HK$12,158
+HK$608/mo
Deposit HK$926K · loan HK$2.16M · min. income ≈ HK$23,100/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$12,664
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,058
−HK$400/mo
Today · 4.125%
HK$13,458
baseline
▲ 0.50% · 4.625%
HK$14,277
+HK$819/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,916/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$14,088
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,466
−HK$384/mo
Today · 4.125%
HK$14,850
baseline
▲ 0.50% · 4.625%
HK$15,632
+HK$782/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,700/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).