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$7,025
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,243
−HK$222/mo
Today · 4.125%
HK$7,465
baseline
▲ 0.50% · 4.625%
HK$7,920
+HK$455/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,930/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$7,815
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,025
−HK$212/mo
Today · 4.125%
HK$8,237
baseline
▲ 0.50% · 4.625%
HK$8,671
+HK$434/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,474/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$8,430
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,692
−HK$266/mo
Today · 4.125%
HK$8,958
baseline
▲ 0.50% · 4.625%
HK$9,504
+HK$546/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,916/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$9,378
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,630
−HK$255/mo
Today · 4.125%
HK$9,885
baseline
▲ 0.50% · 4.625%
HK$10,406
+HK$521/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,770/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$9,835
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,141
−HK$311/mo
Today · 4.125%
HK$10,452
baseline
▲ 0.50% · 4.625%
HK$11,087
+HK$635/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$20,904/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,941
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,235
−HK$297/mo
Today · 4.125%
HK$11,532
baseline
▲ 0.50% · 4.625%
HK$12,140
+HK$608/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$23,064/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,645
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,038
−HK$400/mo
Today · 4.125%
HK$13,438
baseline
▲ 0.50% · 4.625%
HK$14,255
+HK$817/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,876/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$14,067
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,444
−HK$383/mo
Today · 4.125%
HK$14,827
baseline
▲ 0.50% · 4.625%
HK$15,609
+HK$782/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,654/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).