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$7,045
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,264
−HK$223/mo
Today · 4.125%
HK$7,487
baseline
▲ 0.50% · 4.625%
HK$7,943
+HK$456/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,974/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$7,838
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,048
−HK$213/mo
Today · 4.125%
HK$8,261
baseline
▲ 0.50% · 4.625%
HK$8,697
+HK$436/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,522/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$8,454
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,717
−HK$268/mo
Today · 4.125%
HK$8,985
baseline
▲ 0.50% · 4.625%
HK$9,531
+HK$546/mo
Deposit HK$1.24M · loan HK$1.85M · min. income ≈ HK$17,970/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$9,405
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,658
−HK$256/mo
Today · 4.125%
HK$9,914
baseline
▲ 0.50% · 4.625%
HK$10,436
+HK$522/mo
Deposit HK$1.24M · loan HK$1.85M · min. income ≈ HK$19,828/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$9,863
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,170
−HK$312/mo
Today · 4.125%
HK$10,482
baseline
▲ 0.50% · 4.625%
HK$11,120
+HK$638/mo
Deposit HK$927K · loan HK$2.16M · min. income ≈ HK$20,964/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$10,973
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,267
−HK$299/mo
Today · 4.125%
HK$11,566
baseline
▲ 0.50% · 4.625%
HK$12,176
+HK$610/mo
Deposit HK$927K · loan HK$2.16M · min. income ≈ HK$23,132/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$12,682
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,076
−HK$401/mo
Today · 4.125%
HK$13,477
baseline
▲ 0.50% · 4.625%
HK$14,297
+HK$820/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,954/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$14,108
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,487
−HK$383/mo
Today · 4.125%
HK$14,870
baseline
▲ 0.50% · 4.625%
HK$15,654
+HK$784/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,740/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).