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$7,031
−HK$440/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$8,679
+HK$435/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$8,437
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,699
−HK$267/mo
Today · 4.125%
HK$8,966
baseline
▲ 0.50% · 4.625%
HK$9,511
+HK$545/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,932/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$9,386
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,637
−HK$256/mo
Today · 4.125%
HK$9,893
baseline
▲ 0.50% · 4.625%
HK$10,414
+HK$521/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,786/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$9,843
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,149
−HK$311/mo
Today · 4.125%
HK$10,460
baseline
▲ 0.50% · 4.625%
HK$11,097
+HK$637/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$592/mo
▼ 0.25% · 3.875%
HK$11,244
−HK$298/mo
Today · 4.125%
HK$11,542
baseline
▲ 0.50% · 4.625%
HK$12,150
+HK$608/mo
Deposit HK$925K · loan HK$2.16M · min. income ≈ HK$23,084/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$12,655
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,049
−HK$400/mo
Today · 4.125%
HK$13,449
baseline
▲ 0.50% · 4.625%
HK$14,267
+HK$818/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,898/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$14,079
−HK$760/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).