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$7,043
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,262
−HK$223/mo
Today · 4.125%
HK$7,485
baseline
▲ 0.50% · 4.625%
HK$7,940
+HK$455/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,970/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$7,835
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,045
−HK$214/mo
Today · 4.125%
HK$8,259
baseline
▲ 0.50% · 4.625%
HK$8,694
+HK$435/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,518/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$8,452
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,714
−HK$268/mo
Today · 4.125%
HK$8,982
baseline
▲ 0.50% · 4.625%
HK$9,528
+HK$546/mo
Deposit HK$1.24M · loan HK$1.85M · min. income ≈ HK$17,964/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$9,402
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,654
−HK$256/mo
Today · 4.125%
HK$9,910
baseline
▲ 0.50% · 4.625%
HK$10,433
+HK$523/mo
Deposit HK$1.24M · loan HK$1.85M · min. income ≈ HK$19,820/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$9,860
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,167
−HK$312/mo
Today · 4.125%
HK$10,479
baseline
▲ 0.50% · 4.625%
HK$11,116
+HK$637/mo
Deposit HK$927K · loan HK$2.16M · min. income ≈ HK$20,958/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,969
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,264
−HK$298/mo
Today · 4.125%
HK$11,562
baseline
▲ 0.50% · 4.625%
HK$12,171
+HK$609/mo
Deposit HK$927K · loan HK$2.16M · min. income ≈ HK$23,124/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,677
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,072
−HK$400/mo
Today · 4.125%
HK$13,472
baseline
▲ 0.50% · 4.625%
HK$14,292
+HK$820/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,944/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$14,103
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,482
−HK$383/mo
Today · 4.125%
HK$14,865
baseline
▲ 0.50% · 4.625%
HK$15,649
+HK$784/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,730/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).