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$442/mo
▼ 0.25% · 3.875%
HK$7,259
−HK$223/mo
Today · 4.125%
HK$7,482
baseline
▲ 0.50% · 4.625%
HK$7,937
+HK$455/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,964/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$424/mo
▼ 0.25% · 3.875%
HK$8,042
−HK$214/mo
Today · 4.125%
HK$8,256
baseline
▲ 0.50% · 4.625%
HK$8,691
+HK$435/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,512/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$8,449
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,711
−HK$267/mo
Today · 4.125%
HK$8,978
baseline
▲ 0.50% · 4.625%
HK$9,525
+HK$547/mo
Deposit HK$1.24M · 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$9,399
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,651
−HK$256/mo
Today · 4.125%
HK$9,907
baseline
▲ 0.50% · 4.625%
HK$10,429
+HK$522/mo
Deposit HK$1.24M · loan HK$1.85M · min. income ≈ HK$19,814/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$9,857
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,163
−HK$312/mo
Today · 4.125%
HK$10,475
baseline
▲ 0.50% · 4.625%
HK$11,112
+HK$637/mo
Deposit HK$926K · loan HK$2.16M · min. income ≈ HK$20,950/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$10,965
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,259
−HK$299/mo
Today · 4.125%
HK$11,558
baseline
▲ 0.50% · 4.625%
HK$12,167
+HK$609/mo
Deposit HK$926K · loan HK$2.16M · min. income ≈ HK$23,116/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$12,673
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,067
−HK$400/mo
Today · 4.125%
HK$13,467
baseline
▲ 0.50% · 4.625%
HK$14,287
+HK$820/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,934/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$14,098
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,476
−HK$384/mo
Today · 4.125%
HK$14,860
baseline
▲ 0.50% · 4.625%
HK$15,643
+HK$783/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,720/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).