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$7,038
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,257
−HK$223/mo
Today · 4.125%
HK$7,480
baseline
▲ 0.50% · 4.625%
HK$7,935
+HK$455/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,960/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$7,830
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,040
−HK$213/mo
Today · 4.125%
HK$8,253
baseline
▲ 0.50% · 4.625%
HK$8,688
+HK$435/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,506/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$8,446
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,709
−HK$267/mo
Today · 4.125%
HK$8,976
baseline
▲ 0.50% · 4.625%
HK$9,522
+HK$546/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,952/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$9,396
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,648
−HK$256/mo
Today · 4.125%
HK$9,904
baseline
▲ 0.50% · 4.625%
HK$10,426
+HK$522/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,808/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$9,854
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,160
−HK$312/mo
Today · 4.125%
HK$10,472
baseline
▲ 0.50% · 4.625%
HK$11,109
+HK$637/mo
Deposit HK$926K · loan HK$2.16M · min. income ≈ HK$20,944/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$10,962
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,256
−HK$298/mo
Today · 4.125%
HK$11,554
baseline
▲ 0.50% · 4.625%
HK$12,164
+HK$610/mo
Deposit HK$926K · loan HK$2.16M · min. income ≈ HK$23,108/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$12,669
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,063
−HK$401/mo
Today · 4.125%
HK$13,464
baseline
▲ 0.50% · 4.625%
HK$14,283
+HK$819/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,928/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$14,094
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,472
−HK$384/mo
Today · 4.125%
HK$14,856
baseline
▲ 0.50% · 4.625%
HK$15,639
+HK$783/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,712/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).