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$7,027
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,245
−HK$222/mo
Today · 4.125%
HK$7,467
baseline
▲ 0.50% · 4.625%
HK$7,922
+HK$455/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,934/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$7,817
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,027
−HK$213/mo
Today · 4.125%
HK$8,240
baseline
▲ 0.50% · 4.625%
HK$8,674
+HK$434/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,480/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$8,432
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,694
−HK$267/mo
Today · 4.125%
HK$8,961
baseline
▲ 0.50% · 4.625%
HK$9,506
+HK$545/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,922/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$9,381
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,632
−HK$255/mo
Today · 4.125%
HK$9,887
baseline
▲ 0.50% · 4.625%
HK$10,409
+HK$522/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,774/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$9,838
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,144
−HK$310/mo
Today · 4.125%
HK$10,454
baseline
▲ 0.50% · 4.625%
HK$11,091
+HK$637/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$20,908/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$10,944
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,238
−HK$297/mo
Today · 4.125%
HK$11,535
baseline
▲ 0.50% · 4.625%
HK$12,143
+HK$608/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$23,070/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$12,648
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,042
−HK$399/mo
Today · 4.125%
HK$13,441
baseline
▲ 0.50% · 4.625%
HK$14,259
+HK$818/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,882/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$14,071
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,448
−HK$383/mo
Today · 4.125%
HK$14,831
baseline
▲ 0.50% · 4.625%
HK$15,613
+HK$782/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,662/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).