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$7,087
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,307
−HK$224/mo
Today · 4.125%
HK$7,531
baseline
▲ 0.50% · 4.625%
HK$7,990
+HK$459/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,062/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,884
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,096
−HK$214/mo
Today · 4.125%
HK$8,310
baseline
▲ 0.50% · 4.625%
HK$8,748
+HK$438/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,620/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,504
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,769
−HK$269/mo
Today · 4.125%
HK$9,038
baseline
▲ 0.50% · 4.625%
HK$9,588
+HK$550/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,076/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$9,461
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,715
−HK$257/mo
Today · 4.125%
HK$9,972
baseline
▲ 0.50% · 4.625%
HK$10,498
+HK$526/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,944/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$9,922
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,230
−HK$314/mo
Today · 4.125%
HK$10,544
baseline
▲ 0.50% · 4.625%
HK$11,185
+HK$641/mo
Deposit HK$932K · loan HK$2.18M · min. income ≈ HK$21,088/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,038
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,334
−HK$300/mo
Today · 4.125%
HK$11,634
baseline
▲ 0.50% · 4.625%
HK$12,247
+HK$613/mo
Deposit HK$932K · loan HK$2.18M · min. income ≈ HK$23,268/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,757
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,153
−HK$403/mo
Today · 4.125%
HK$13,556
baseline
▲ 0.50% · 4.625%
HK$14,381
+HK$825/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,112/mo (50% DSR)
Upfront cash ≈ HK$311K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,191
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,572
−HK$386/mo
Today · 4.125%
HK$14,958
baseline
▲ 0.50% · 4.625%
HK$15,747
+HK$789/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,916/mo (50% DSR)
Upfront cash ≈ HK$311K (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).