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$7,942
+HK$456/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$7,837
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,047
−HK$213/mo
Today · 4.125%
HK$8,260
baseline
▲ 0.50% · 4.625%
HK$8,696
+HK$436/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$9,530
+HK$547/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$10,435
+HK$523/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$619/mo
▼ 0.25% · 3.875%
HK$10,169
−HK$312/mo
Today · 4.125%
HK$10,481
baseline
▲ 0.50% · 4.625%
HK$11,118
+HK$637/mo
Deposit HK$927K · loan HK$2.16M · min. income ≈ HK$20,962/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$11,266
−HK$298/mo
Today · 4.125%
HK$11,564
baseline
▲ 0.50% · 4.625%
HK$12,174
+HK$610/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$12,680
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,074
−HK$401/mo
Today · 4.125%
HK$13,475
baseline
▲ 0.50% · 4.625%
HK$14,295
+HK$820/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,950/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$14,106
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,485
−HK$383/mo
Today · 4.125%
HK$14,868
baseline
▲ 0.50% · 4.625%
HK$15,652
+HK$784/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).