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$7,040
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,259
−HK$222/mo
Today · 4.125%
HK$7,481
baseline
▲ 0.50% · 4.625%
HK$7,937
+HK$456/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,962/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$7,832
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,042
−HK$213/mo
Today · 4.125%
HK$8,255
baseline
▲ 0.50% · 4.625%
HK$8,690
+HK$435/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,510/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$8,448
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,711
−HK$267/mo
Today · 4.125%
HK$8,978
baseline
▲ 0.50% · 4.625%
HK$9,524
+HK$546/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,956/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$9,398
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,650
−HK$256/mo
Today · 4.125%
HK$9,906
baseline
▲ 0.50% · 4.625%
HK$10,428
+HK$522/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,812/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$9,856
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,162
−HK$312/mo
Today · 4.125%
HK$10,474
baseline
▲ 0.50% · 4.625%
HK$11,111
+HK$637/mo
Deposit HK$926K · loan HK$2.16M · min. income ≈ HK$20,948/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$10,964
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,259
−HK$298/mo
Today · 4.125%
HK$11,557
baseline
▲ 0.50% · 4.625%
HK$12,166
+HK$609/mo
Deposit HK$926K · loan HK$2.16M · min. income ≈ HK$23,114/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$12,672
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,066
−HK$400/mo
Today · 4.125%
HK$13,466
baseline
▲ 0.50% · 4.625%
HK$14,286
+HK$820/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,932/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$14,097
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,475
−HK$384/mo
Today · 4.125%
HK$14,859
baseline
▲ 0.50% · 4.625%
HK$15,642
+HK$783/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,718/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).