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$7,044
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,263
−HK$222/mo
Today · 4.125%
HK$7,485
baseline
▲ 0.50% · 4.625%
HK$7,941
+HK$456/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,970/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$7,836
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,046
−HK$213/mo
Today · 4.125%
HK$8,259
baseline
▲ 0.50% · 4.625%
HK$8,695
+HK$436/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,518/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$8,452
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,715
−HK$267/mo
Today · 4.125%
HK$8,982
baseline
▲ 0.50% · 4.625%
HK$9,529
+HK$547/mo
Deposit HK$1.24M · loan HK$1.85M · min. income ≈ HK$17,964/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,403
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,655
−HK$256/mo
Today · 4.125%
HK$9,911
baseline
▲ 0.50% · 4.625%
HK$10,434
+HK$523/mo
Deposit HK$1.24M · loan HK$1.85M · min. income ≈ HK$19,822/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,861
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,168
−HK$312/mo
Today · 4.125%
HK$10,480
baseline
▲ 0.50% · 4.625%
HK$11,117
+HK$637/mo
Deposit HK$927K · loan HK$2.16M · min. income ≈ HK$20,960/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,970
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,265
−HK$298/mo
Today · 4.125%
HK$11,563
baseline
▲ 0.50% · 4.625%
HK$12,173
+HK$610/mo
Deposit HK$927K · loan HK$2.16M · min. income ≈ HK$23,126/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,679
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,073
−HK$401/mo
Today · 4.125%
HK$13,474
baseline
▲ 0.50% · 4.625%
HK$14,294
+HK$820/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,948/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$14,105
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,483
−HK$384/mo
Today · 4.125%
HK$14,867
baseline
▲ 0.50% · 4.625%
HK$15,651
+HK$784/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,734/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).