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$7,032
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,251
−HK$222/mo
Today · 4.125%
HK$7,473
baseline
▲ 0.50% · 4.625%
HK$7,928
+HK$455/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,946/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$7,823
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,033
−HK$213/mo
Today · 4.125%
HK$8,246
baseline
▲ 0.50% · 4.625%
HK$8,680
+HK$434/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,492/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$8,438
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,701
−HK$266/mo
Today · 4.125%
HK$8,967
baseline
▲ 0.50% · 4.625%
HK$9,513
+HK$546/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,934/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$9,388
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,639
−HK$256/mo
Today · 4.125%
HK$9,895
baseline
▲ 0.50% · 4.625%
HK$10,416
+HK$521/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,790/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$9,845
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,151
−HK$311/mo
Today · 4.125%
HK$10,462
baseline
▲ 0.50% · 4.625%
HK$11,099
+HK$637/mo
Deposit HK$925K · loan HK$2.16M · min. income ≈ HK$20,924/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$10,952
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,246
−HK$298/mo
Today · 4.125%
HK$11,544
baseline
▲ 0.50% · 4.625%
HK$12,152
+HK$608/mo
Deposit HK$925K · loan HK$2.16M · min. income ≈ HK$23,088/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$12,657
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,051
−HK$400/mo
Today · 4.125%
HK$13,451
baseline
▲ 0.50% · 4.625%
HK$14,270
+HK$819/mo
Deposit HK$308K · loan HK$2.78M · min. income ≈ HK$26,902/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$14,081
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,459
−HK$383/mo
Today · 4.125%
HK$14,842
baseline
▲ 0.50% · 4.625%
HK$15,624
+HK$782/mo
Deposit HK$308K · loan HK$2.78M · min. income ≈ HK$29,684/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).