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$7,042
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,261
−HK$223/mo
Today · 4.125%
HK$7,484
baseline
▲ 0.50% · 4.625%
HK$7,939
+HK$455/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,968/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$7,834
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,044
−HK$214/mo
Today · 4.125%
HK$8,258
baseline
▲ 0.50% · 4.625%
HK$8,693
+HK$435/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,516/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$8,451
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,713
−HK$267/mo
Today · 4.125%
HK$8,980
baseline
▲ 0.50% · 4.625%
HK$9,527
+HK$547/mo
Deposit HK$1.24M · loan HK$1.85M · min. income ≈ HK$17,960/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$9,401
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,653
−HK$256/mo
Today · 4.125%
HK$9,909
baseline
▲ 0.50% · 4.625%
HK$10,431
+HK$522/mo
Deposit HK$1.24M · loan HK$1.85M · min. income ≈ HK$19,818/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$9,859
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,166
−HK$311/mo
Today · 4.125%
HK$10,477
baseline
▲ 0.50% · 4.625%
HK$11,115
+HK$638/mo
Deposit HK$926K · loan HK$2.16M · min. income ≈ HK$20,954/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$10,968
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,262
−HK$299/mo
Today · 4.125%
HK$11,561
baseline
▲ 0.50% · 4.625%
HK$12,170
+HK$609/mo
Deposit HK$926K · loan HK$2.16M · min. income ≈ HK$23,122/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$12,676
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,070
−HK$401/mo
Today · 4.125%
HK$13,471
baseline
▲ 0.50% · 4.625%
HK$14,290
+HK$819/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,942/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$14,102
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,480
−HK$384/mo
Today · 4.125%
HK$14,864
baseline
▲ 0.50% · 4.625%
HK$15,647
+HK$783/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,728/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).