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$7,023
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,242
−HK$222/mo
Today · 4.125%
HK$7,464
baseline
▲ 0.50% · 4.625%
HK$7,918
+HK$454/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,928/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$7,813
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,023
−HK$212/mo
Today · 4.125%
HK$8,235
baseline
▲ 0.50% · 4.625%
HK$8,670
+HK$435/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,470/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$8,428
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,690
−HK$266/mo
Today · 4.125%
HK$8,956
baseline
▲ 0.50% · 4.625%
HK$9,501
+HK$545/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,912/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$9,376
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,627
−HK$256/mo
Today · 4.125%
HK$9,883
baseline
▲ 0.50% · 4.625%
HK$10,403
+HK$520/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,766/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$9,833
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,138
−HK$311/mo
Today · 4.125%
HK$10,449
baseline
▲ 0.50% · 4.625%
HK$11,085
+HK$636/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$20,898/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,939
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,232
−HK$298/mo
Today · 4.125%
HK$11,530
baseline
▲ 0.50% · 4.625%
HK$12,137
+HK$607/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$23,060/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,642
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,035
−HK$400/mo
Today · 4.125%
HK$13,435
baseline
▲ 0.50% · 4.625%
HK$14,252
+HK$817/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,870/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$14,064
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,441
−HK$383/mo
Today · 4.125%
HK$14,824
baseline
▲ 0.50% · 4.625%
HK$15,605
+HK$781/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,648/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).