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$440/mo
▼ 0.25% · 3.875%
HK$7,246
−HK$222/mo
Today · 4.125%
HK$7,468
baseline
▲ 0.50% · 4.625%
HK$7,923
+HK$455/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,936/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$7,818
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,028
−HK$213/mo
Today · 4.125%
HK$8,241
baseline
▲ 0.50% · 4.625%
HK$8,675
+HK$434/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$8,433
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,696
−HK$266/mo
Today · 4.125%
HK$8,962
baseline
▲ 0.50% · 4.625%
HK$9,507
+HK$545/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,924/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$9,382
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,634
−HK$255/mo
Today · 4.125%
HK$9,889
baseline
▲ 0.50% · 4.625%
HK$10,410
+HK$521/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,778/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$9,839
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,145
−HK$311/mo
Today · 4.125%
HK$10,456
baseline
▲ 0.50% · 4.625%
HK$11,092
+HK$636/mo
Deposit HK$925K · loan HK$2.16M · min. income ≈ HK$20,912/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$10,946
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,239
−HK$298/mo
Today · 4.125%
HK$11,537
baseline
▲ 0.50% · 4.625%
HK$12,145
+HK$608/mo
Deposit HK$925K · loan HK$2.16M · min. income ≈ HK$23,074/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$12,650
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,043
−HK$400/mo
Today · 4.125%
HK$13,443
baseline
▲ 0.50% · 4.625%
HK$14,261
+HK$818/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,886/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$14,073
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,450
−HK$383/mo
Today · 4.125%
HK$14,833
baseline
▲ 0.50% · 4.625%
HK$15,615
+HK$782/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,666/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).