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$7,034
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,253
−HK$222/mo
Today · 4.125%
HK$7,475
baseline
▲ 0.50% · 4.625%
HK$7,930
+HK$455/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,950/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$7,825
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,035
−HK$213/mo
Today · 4.125%
HK$8,248
baseline
▲ 0.50% · 4.625%
HK$8,683
+HK$435/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,496/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$8,441
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,704
−HK$266/mo
Today · 4.125%
HK$8,970
baseline
▲ 0.50% · 4.625%
HK$9,516
+HK$546/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,940/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$9,390
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,642
−HK$256/mo
Today · 4.125%
HK$9,898
baseline
▲ 0.50% · 4.625%
HK$10,420
+HK$522/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,796/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$9,848
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,154
−HK$311/mo
Today · 4.125%
HK$10,465
baseline
▲ 0.50% · 4.625%
HK$11,102
+HK$637/mo
Deposit HK$925K · loan HK$2.16M · min. income ≈ HK$20,930/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$10,956
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,249
−HK$298/mo
Today · 4.125%
HK$11,547
baseline
▲ 0.50% · 4.625%
HK$12,156
+HK$609/mo
Deposit HK$925K · loan HK$2.16M · min. income ≈ HK$23,094/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$12,661
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,055
−HK$400/mo
Today · 4.125%
HK$13,455
baseline
▲ 0.50% · 4.625%
HK$14,274
+HK$819/mo
Deposit HK$308K · loan HK$2.78M · min. income ≈ HK$26,910/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$14,086
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,464
−HK$383/mo
Today · 4.125%
HK$14,847
baseline
▲ 0.50% · 4.625%
HK$15,629
+HK$782/mo
Deposit HK$308K · loan HK$2.78M · min. income ≈ HK$29,694/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).