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$7,044
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,263
−HK$223/mo
Today · 4.125%
HK$7,486
baseline
▲ 0.50% · 4.625%
HK$7,941
+HK$455/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,972/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$7,836
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,047
−HK$213/mo
Today · 4.125%
HK$8,260
baseline
▲ 0.50% · 4.625%
HK$8,695
+HK$435/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,520/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$8,453
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,716
−HK$267/mo
Today · 4.125%
HK$8,983
baseline
▲ 0.50% · 4.625%
HK$9,529
+HK$546/mo
Deposit HK$1.24M · loan HK$1.85M · min. income ≈ HK$17,966/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,404
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,656
−HK$256/mo
Today · 4.125%
HK$9,912
baseline
▲ 0.50% · 4.625%
HK$10,434
+HK$522/mo
Deposit HK$1.24M · loan HK$1.85M · min. income ≈ HK$19,824/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,862
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,168
−HK$312/mo
Today · 4.125%
HK$10,480
baseline
▲ 0.50% · 4.625%
HK$11,118
+HK$638/mo
Deposit HK$927K · loan HK$2.16M · min. income ≈ HK$20,960/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,971
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,265
−HK$299/mo
Today · 4.125%
HK$11,564
baseline
▲ 0.50% · 4.625%
HK$12,173
+HK$609/mo
Deposit HK$927K · loan HK$2.16M · min. income ≈ HK$23,128/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,679
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,074
−HK$400/mo
Today · 4.125%
HK$13,474
baseline
▲ 0.50% · 4.625%
HK$14,294
+HK$820/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,948/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$14,105
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,484
−HK$384/mo
Today · 4.125%
HK$14,868
baseline
▲ 0.50% · 4.625%
HK$15,651
+HK$783/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,736/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).