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$7,036
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,255
−HK$222/mo
Today · 4.125%
HK$7,477
baseline
▲ 0.50% · 4.625%
HK$7,932
+HK$455/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,954/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$7,827
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,037
−HK$213/mo
Today · 4.125%
HK$8,250
baseline
▲ 0.50% · 4.625%
HK$8,685
+HK$435/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,500/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$8,443
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,706
−HK$266/mo
Today · 4.125%
HK$8,972
baseline
▲ 0.50% · 4.625%
HK$9,518
+HK$546/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,944/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$9,393
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,645
−HK$255/mo
Today · 4.125%
HK$9,900
baseline
▲ 0.50% · 4.625%
HK$10,422
+HK$522/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,800/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$9,850
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,157
−HK$311/mo
Today · 4.125%
HK$10,468
baseline
▲ 0.50% · 4.625%
HK$11,105
+HK$637/mo
Deposit HK$926K · loan HK$2.16M · min. income ≈ HK$20,936/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,958
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,252
−HK$298/mo
Today · 4.125%
HK$11,550
baseline
▲ 0.50% · 4.625%
HK$12,159
+HK$609/mo
Deposit HK$926K · loan HK$2.16M · min. income ≈ HK$23,100/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,664
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,058
−HK$401/mo
Today · 4.125%
HK$13,459
baseline
▲ 0.50% · 4.625%
HK$14,278
+HK$819/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,918/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$14,089
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,467
−HK$383/mo
Today · 4.125%
HK$14,850
baseline
▲ 0.50% · 4.625%
HK$15,633
+HK$783/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,700/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).