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$7,069
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,289
−HK$223/mo
Today · 4.125%
HK$7,512
baseline
▲ 0.50% · 4.625%
HK$7,969
+HK$457/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,024/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$7,864
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,075
−HK$214/mo
Today · 4.125%
HK$8,289
baseline
▲ 0.50% · 4.625%
HK$8,726
+HK$437/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,578/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$8,483
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,747
−HK$268/mo
Today · 4.125%
HK$9,015
baseline
▲ 0.50% · 4.625%
HK$9,563
+HK$548/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,030/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$9,437
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,690
−HK$257/mo
Today · 4.125%
HK$9,947
baseline
▲ 0.50% · 4.625%
HK$10,471
+HK$524/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,894/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$9,897
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,205
−HK$312/mo
Today · 4.125%
HK$10,517
baseline
▲ 0.50% · 4.625%
HK$11,157
+HK$640/mo
Deposit HK$930K · loan HK$2.17M · min. income ≈ HK$21,034/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$11,010
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,305
−HK$300/mo
Today · 4.125%
HK$11,605
baseline
▲ 0.50% · 4.625%
HK$12,217
+HK$612/mo
Deposit HK$930K · loan HK$2.17M · min. income ≈ HK$23,210/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$12,724
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,120
−HK$402/mo
Today · 4.125%
HK$13,522
baseline
▲ 0.50% · 4.625%
HK$14,345
+HK$823/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,044/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$14,156
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,535
−HK$385/mo
Today · 4.125%
HK$14,920
baseline
▲ 0.50% · 4.625%
HK$15,707
+HK$787/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,840/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).