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$7,032
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,251
−HK$222/mo
Today · 4.125%
HK$7,473
baseline
▲ 0.50% · 4.625%
HK$7,928
+HK$455/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,946/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$7,823
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,033
−HK$213/mo
Today · 4.125%
HK$8,246
baseline
▲ 0.50% · 4.625%
HK$8,681
+HK$435/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,492/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$8,439
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,701
−HK$267/mo
Today · 4.125%
HK$8,968
baseline
▲ 0.50% · 4.625%
HK$9,514
+HK$546/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,936/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$9,388
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,640
−HK$255/mo
Today · 4.125%
HK$9,895
baseline
▲ 0.50% · 4.625%
HK$10,417
+HK$522/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,790/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$9,845
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,152
−HK$311/mo
Today · 4.125%
HK$10,463
baseline
▲ 0.50% · 4.625%
HK$11,099
+HK$636/mo
Deposit HK$925K · loan HK$2.16M · min. income ≈ HK$20,926/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$10,953
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,247
−HK$298/mo
Today · 4.125%
HK$11,545
baseline
▲ 0.50% · 4.625%
HK$12,153
+HK$608/mo
Deposit HK$925K · loan HK$2.16M · min. income ≈ HK$23,090/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$12,658
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,052
−HK$400/mo
Today · 4.125%
HK$13,452
baseline
▲ 0.50% · 4.625%
HK$14,271
+HK$819/mo
Deposit HK$308K · loan HK$2.78M · min. income ≈ HK$26,904/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$14,082
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,460
−HK$383/mo
Today · 4.125%
HK$14,843
baseline
▲ 0.50% · 4.625%
HK$15,625
+HK$782/mo
Deposit HK$308K · loan HK$2.78M · min. income ≈ HK$29,686/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).