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$7,046
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,265
−HK$223/mo
Today · 4.125%
HK$7,488
baseline
▲ 0.50% · 4.625%
HK$7,943
+HK$455/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,976/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,839
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,049
−HK$213/mo
Today · 4.125%
HK$8,262
baseline
▲ 0.50% · 4.625%
HK$8,697
+HK$435/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,524/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,455
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,718
−HK$267/mo
Today · 4.125%
HK$8,985
baseline
▲ 0.50% · 4.625%
HK$9,532
+HK$547/mo
Deposit HK$1.24M · loan HK$1.85M · min. income ≈ HK$17,970/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$9,406
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,658
−HK$256/mo
Today · 4.125%
HK$9,914
baseline
▲ 0.50% · 4.625%
HK$10,437
+HK$523/mo
Deposit HK$1.24M · loan HK$1.85M · min. income ≈ HK$19,828/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$9,864
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,171
−HK$312/mo
Today · 4.125%
HK$10,483
baseline
▲ 0.50% · 4.625%
HK$11,121
+HK$638/mo
Deposit HK$927K · loan HK$2.16M · min. income ≈ HK$20,966/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$10,974
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,268
−HK$299/mo
Today · 4.125%
HK$11,567
baseline
▲ 0.50% · 4.625%
HK$12,176
+HK$609/mo
Deposit HK$927K · loan HK$2.16M · min. income ≈ HK$23,134/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$12,683
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,077
−HK$401/mo
Today · 4.125%
HK$13,478
baseline
▲ 0.50% · 4.625%
HK$14,298
+HK$820/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,956/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$14,109
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,488
−HK$384/mo
Today · 4.125%
HK$14,872
baseline
▲ 0.50% · 4.625%
HK$15,655
+HK$783/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,744/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).