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$7,039
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,258
−HK$222/mo
Today · 4.125%
HK$7,480
baseline
▲ 0.50% · 4.625%
HK$7,935
+HK$455/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,960/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$7,831
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,041
−HK$213/mo
Today · 4.125%
HK$8,254
baseline
▲ 0.50% · 4.625%
HK$8,689
+HK$435/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,508/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$8,447
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,709
−HK$267/mo
Today · 4.125%
HK$8,976
baseline
▲ 0.50% · 4.625%
HK$9,523
+HK$547/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,952/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$9,397
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,649
−HK$256/mo
Today · 4.125%
HK$9,905
baseline
▲ 0.50% · 4.625%
HK$10,427
+HK$522/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,810/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$9,855
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,161
−HK$311/mo
Today · 4.125%
HK$10,472
baseline
▲ 0.50% · 4.625%
HK$11,110
+HK$638/mo
Deposit HK$926K · loan HK$2.16M · min. income ≈ HK$20,944/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$10,963
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,257
−HK$298/mo
Today · 4.125%
HK$11,555
baseline
▲ 0.50% · 4.625%
HK$12,164
+HK$609/mo
Deposit HK$926K · loan HK$2.16M · min. income ≈ HK$23,110/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$12,670
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,064
−HK$401/mo
Today · 4.125%
HK$13,465
baseline
▲ 0.50% · 4.625%
HK$14,284
+HK$819/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,930/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$14,095
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,473
−HK$384/mo
Today · 4.125%
HK$14,857
baseline
▲ 0.50% · 4.625%
HK$15,640
+HK$783/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,714/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).