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$7,027
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,246
−HK$222/mo
Today · 4.125%
HK$7,468
baseline
▲ 0.50% · 4.625%
HK$7,922
+HK$454/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,936/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$7,818
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,027
−HK$213/mo
Today · 4.125%
HK$8,240
baseline
▲ 0.50% · 4.625%
HK$8,674
+HK$434/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,480/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$8,432
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,695
−HK$266/mo
Today · 4.125%
HK$8,961
baseline
▲ 0.50% · 4.625%
HK$9,507
+HK$546/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,922/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$9,381
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,633
−HK$255/mo
Today · 4.125%
HK$9,888
baseline
▲ 0.50% · 4.625%
HK$10,409
+HK$521/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,776/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$9,838
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,144
−HK$311/mo
Today · 4.125%
HK$10,455
baseline
▲ 0.50% · 4.625%
HK$11,091
+HK$636/mo
Deposit HK$925K · loan HK$2.16M · min. income ≈ HK$20,910/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$10,945
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,238
−HK$298/mo
Today · 4.125%
HK$11,536
baseline
▲ 0.50% · 4.625%
HK$12,144
+HK$608/mo
Deposit HK$925K · loan HK$2.16M · min. income ≈ HK$23,072/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$12,649
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,042
−HK$400/mo
Today · 4.125%
HK$13,442
baseline
▲ 0.50% · 4.625%
HK$14,260
+HK$818/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,884/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$14,072
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,449
−HK$383/mo
Today · 4.125%
HK$14,832
baseline
▲ 0.50% · 4.625%
HK$15,614
+HK$782/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,664/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).