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$7,066
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,286
−HK$223/mo
Today · 4.125%
HK$7,509
baseline
▲ 0.50% · 4.625%
HK$7,966
+HK$457/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,018/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$7,861
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,072
−HK$213/mo
Today · 4.125%
HK$8,285
baseline
▲ 0.50% · 4.625%
HK$8,722
+HK$437/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,570/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$8,479
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,743
−HK$268/mo
Today · 4.125%
HK$9,011
baseline
▲ 0.50% · 4.625%
HK$9,559
+HK$548/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,022/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$9,433
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,686
−HK$257/mo
Today · 4.125%
HK$9,943
baseline
▲ 0.50% · 4.625%
HK$10,467
+HK$524/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,886/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$9,892
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,200
−HK$313/mo
Today · 4.125%
HK$10,513
baseline
▲ 0.50% · 4.625%
HK$11,152
+HK$639/mo
Deposit HK$930K · loan HK$2.17M · min. income ≈ HK$21,026/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$11,005
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,300
−HK$300/mo
Today · 4.125%
HK$11,600
baseline
▲ 0.50% · 4.625%
HK$12,211
+HK$611/mo
Deposit HK$930K · loan HK$2.17M · min. income ≈ HK$23,200/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$12,719
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,114
−HK$402/mo
Today · 4.125%
HK$13,516
baseline
▲ 0.50% · 4.625%
HK$14,339
+HK$823/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,032/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$14,149
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,529
−HK$385/mo
Today · 4.125%
HK$14,914
baseline
▲ 0.50% · 4.625%
HK$15,700
+HK$786/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,828/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).