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$7,034
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,252
−HK$223/mo
Today · 4.125%
HK$7,475
baseline
▲ 0.50% · 4.625%
HK$7,929
+HK$454/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,950/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$7,825
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,035
−HK$213/mo
Today · 4.125%
HK$8,248
baseline
▲ 0.50% · 4.625%
HK$8,682
+HK$434/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,496/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$8,440
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,703
−HK$267/mo
Today · 4.125%
HK$8,970
baseline
▲ 0.50% · 4.625%
HK$9,515
+HK$545/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,940/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$9,390
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,642
−HK$255/mo
Today · 4.125%
HK$9,897
baseline
▲ 0.50% · 4.625%
HK$10,419
+HK$522/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,794/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$9,847
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,153
−HK$312/mo
Today · 4.125%
HK$10,465
baseline
▲ 0.50% · 4.625%
HK$11,101
+HK$636/mo
Deposit HK$925K · loan HK$2.16M · min. income ≈ HK$20,930/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$10,955
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,249
−HK$298/mo
Today · 4.125%
HK$11,547
baseline
▲ 0.50% · 4.625%
HK$12,155
+HK$608/mo
Deposit HK$925K · loan HK$2.16M · min. income ≈ HK$23,094/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$12,661
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,054
−HK$400/mo
Today · 4.125%
HK$13,454
baseline
▲ 0.50% · 4.625%
HK$14,273
+HK$819/mo
Deposit HK$308K · loan HK$2.78M · min. income ≈ HK$26,908/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$14,085
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,462
−HK$384/mo
Today · 4.125%
HK$14,846
baseline
▲ 0.50% · 4.625%
HK$15,628
+HK$782/mo
Deposit HK$308K · loan HK$2.78M · min. income ≈ HK$29,692/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).