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$7,035
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,254
−HK$222/mo
Today · 4.125%
HK$7,476
baseline
▲ 0.50% · 4.625%
HK$7,931
+HK$455/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,952/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$7,826
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,036
−HK$213/mo
Today · 4.125%
HK$8,249
baseline
▲ 0.50% · 4.625%
HK$8,684
+HK$435/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,498/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$8,442
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,704
−HK$267/mo
Today · 4.125%
HK$8,971
baseline
▲ 0.50% · 4.625%
HK$9,517
+HK$546/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,942/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$9,391
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,643
−HK$256/mo
Today · 4.125%
HK$9,899
baseline
▲ 0.50% · 4.625%
HK$10,421
+HK$522/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,798/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$9,849
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,155
−HK$311/mo
Today · 4.125%
HK$10,466
baseline
▲ 0.50% · 4.625%
HK$11,103
+HK$637/mo
Deposit HK$926K · loan HK$2.16M · min. income ≈ HK$20,932/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$10,957
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,250
−HK$299/mo
Today · 4.125%
HK$11,549
baseline
▲ 0.50% · 4.625%
HK$12,157
+HK$608/mo
Deposit HK$926K · loan HK$2.16M · min. income ≈ HK$23,098/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$12,663
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,057
−HK$400/mo
Today · 4.125%
HK$13,457
baseline
▲ 0.50% · 4.625%
HK$14,276
+HK$819/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,914/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$14,087
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,465
−HK$383/mo
Today · 4.125%
HK$14,848
baseline
▲ 0.50% · 4.625%
HK$15,631
+HK$783/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,696/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).