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$7,033
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,252
−HK$222/mo
Today · 4.125%
HK$7,474
baseline
▲ 0.50% · 4.625%
HK$7,929
+HK$455/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,948/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$7,824
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,034
−HK$213/mo
Today · 4.125%
HK$8,247
baseline
▲ 0.50% · 4.625%
HK$8,682
+HK$435/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,494/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$8,440
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,702
−HK$267/mo
Today · 4.125%
HK$8,969
baseline
▲ 0.50% · 4.625%
HK$9,515
+HK$546/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,938/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$9,389
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,641
−HK$256/mo
Today · 4.125%
HK$9,897
baseline
▲ 0.50% · 4.625%
HK$10,418
+HK$521/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,794/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$9,847
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,153
−HK$311/mo
Today · 4.125%
HK$10,464
baseline
▲ 0.50% · 4.625%
HK$11,101
+HK$637/mo
Deposit HK$925K · loan HK$2.16M · min. income ≈ HK$20,928/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,954
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,248
−HK$298/mo
Today · 4.125%
HK$11,546
baseline
▲ 0.50% · 4.625%
HK$12,155
+HK$609/mo
Deposit HK$925K · loan HK$2.16M · min. income ≈ HK$23,092/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,660
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,054
−HK$400/mo
Today · 4.125%
HK$13,454
baseline
▲ 0.50% · 4.625%
HK$14,272
+HK$818/mo
Deposit HK$308K · loan HK$2.78M · min. income ≈ HK$26,908/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$14,084
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,462
−HK$383/mo
Today · 4.125%
HK$14,845
baseline
▲ 0.50% · 4.625%
HK$15,627
+HK$782/mo
Deposit HK$308K · loan HK$2.78M · min. income ≈ HK$29,690/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).