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$7,079
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,299
−HK$224/mo
Today · 4.125%
HK$7,523
baseline
▲ 0.50% · 4.625%
HK$7,980
+HK$457/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,046/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$7,875
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,086
−HK$214/mo
Today · 4.125%
HK$8,300
baseline
▲ 0.50% · 4.625%
HK$8,738
+HK$438/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,600/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$8,494
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,759
−HK$268/mo
Today · 4.125%
HK$9,027
baseline
▲ 0.50% · 4.625%
HK$9,576
+HK$549/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,054/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$9,450
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,703
−HK$258/mo
Today · 4.125%
HK$9,961
baseline
▲ 0.50% · 4.625%
HK$10,486
+HK$525/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,922/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$9,910
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,218
−HK$314/mo
Today · 4.125%
HK$10,532
baseline
▲ 0.50% · 4.625%
HK$11,172
+HK$640/mo
Deposit HK$931K · loan HK$2.17M · min. income ≈ HK$21,064/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,025
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,321
−HK$300/mo
Today · 4.125%
HK$11,621
baseline
▲ 0.50% · 4.625%
HK$12,233
+HK$612/mo
Deposit HK$931K · loan HK$2.17M · min. income ≈ HK$23,242/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,742
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,138
−HK$403/mo
Today · 4.125%
HK$13,541
baseline
▲ 0.50% · 4.625%
HK$14,365
+HK$824/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,082/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$14,175
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,555
−HK$386/mo
Today · 4.125%
HK$14,941
baseline
▲ 0.50% · 4.625%
HK$15,728
+HK$787/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,882/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).