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$7,026
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,245
−HK$222/mo
Today · 4.125%
HK$7,467
baseline
▲ 0.50% · 4.625%
HK$7,921
+HK$454/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,934/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$7,816
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,026
−HK$213/mo
Today · 4.125%
HK$8,239
baseline
▲ 0.50% · 4.625%
HK$8,673
+HK$434/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,478/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$8,431
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,694
−HK$266/mo
Today · 4.125%
HK$8,960
baseline
▲ 0.50% · 4.625%
HK$9,505
+HK$545/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,920/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$9,380
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,631
−HK$256/mo
Today · 4.125%
HK$9,887
baseline
▲ 0.50% · 4.625%
HK$10,408
+HK$521/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,774/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$9,837
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,143
−HK$310/mo
Today · 4.125%
HK$10,453
baseline
▲ 0.50% · 4.625%
HK$11,089
+HK$636/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$20,906/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,943
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,237
−HK$297/mo
Today · 4.125%
HK$11,534
baseline
▲ 0.50% · 4.625%
HK$12,142
+HK$608/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$23,068/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,647
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,040
−HK$400/mo
Today · 4.125%
HK$13,440
baseline
▲ 0.50% · 4.625%
HK$14,258
+HK$818/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,880/mo (50% DSR)
Upfront cash ≈ HK$308K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,070
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,447
−HK$383/mo
Today · 4.125%
HK$14,830
baseline
▲ 0.50% · 4.625%
HK$15,611
+HK$781/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,660/mo (50% DSR)
Upfront cash ≈ HK$308K (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).