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$7,024
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,242
−HK$222/mo
Today · 4.125%
HK$7,464
baseline
▲ 0.50% · 4.625%
HK$7,919
+HK$455/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$7,814
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,024
−HK$212/mo
Today · 4.125%
HK$8,236
baseline
▲ 0.50% · 4.625%
HK$8,670
+HK$434/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,472/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$8,429
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,691
−HK$266/mo
Today · 4.125%
HK$8,957
baseline
▲ 0.50% · 4.625%
HK$9,502
+HK$545/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,914/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$9,377
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,628
−HK$255/mo
Today · 4.125%
HK$9,883
baseline
▲ 0.50% · 4.625%
HK$10,404
+HK$521/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$617/mo
▼ 0.25% · 3.875%
HK$10,139
−HK$311/mo
Today · 4.125%
HK$10,450
baseline
▲ 0.50% · 4.625%
HK$11,086
+HK$636/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$20,900/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$10,940
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,233
−HK$298/mo
Today · 4.125%
HK$11,531
baseline
▲ 0.50% · 4.625%
HK$12,138
+HK$607/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$23,062/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$12,643
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,036
−HK$400/mo
Today · 4.125%
HK$13,436
baseline
▲ 0.50% · 4.625%
HK$14,253
+HK$817/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,872/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$14,065
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,442
−HK$383/mo
Today · 4.125%
HK$14,825
baseline
▲ 0.50% · 4.625%
HK$15,607
+HK$782/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,650/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).