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$7,064
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,284
−HK$224/mo
Today · 4.125%
HK$7,508
baseline
▲ 0.50% · 4.625%
HK$7,964
+HK$456/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,016/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$7,859
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,070
−HK$214/mo
Today · 4.125%
HK$8,284
baseline
▲ 0.50% · 4.625%
HK$8,720
+HK$436/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,568/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$8,477
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,741
−HK$268/mo
Today · 4.125%
HK$9,009
baseline
▲ 0.50% · 4.625%
HK$9,557
+HK$548/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,018/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$9,431
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,684
−HK$257/mo
Today · 4.125%
HK$9,941
baseline
▲ 0.50% · 4.625%
HK$10,465
+HK$524/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,882/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$9,890
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,198
−HK$313/mo
Today · 4.125%
HK$10,511
baseline
▲ 0.50% · 4.625%
HK$11,150
+HK$639/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$21,022/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,003
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,298
−HK$299/mo
Today · 4.125%
HK$11,597
baseline
▲ 0.50% · 4.625%
HK$12,209
+HK$612/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$23,194/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,716
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,112
−HK$402/mo
Today · 4.125%
HK$13,514
baseline
▲ 0.50% · 4.625%
HK$14,336
+HK$822/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,028/mo (50% DSR)
Upfront cash ≈ HK$310K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,147
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,526
−HK$385/mo
Today · 4.125%
HK$14,911
baseline
▲ 0.50% · 4.625%
HK$15,697
+HK$786/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,822/mo (50% DSR)
Upfront cash ≈ HK$310K (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).