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$7,047
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,267
−HK$222/mo
Today · 4.125%
HK$7,489
baseline
▲ 0.50% · 4.625%
HK$7,945
+HK$456/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$14,978/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$7,840
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,050
−HK$214/mo
Today · 4.125%
HK$8,264
baseline
▲ 0.50% · 4.625%
HK$8,699
+HK$435/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,528/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$8,457
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,720
−HK$267/mo
Today · 4.125%
HK$8,987
baseline
▲ 0.50% · 4.625%
HK$9,534
+HK$547/mo
Deposit HK$1.24M · loan HK$1.85M · min. income ≈ HK$17,974/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$9,408
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,660
−HK$256/mo
Today · 4.125%
HK$9,916
baseline
▲ 0.50% · 4.625%
HK$10,439
+HK$523/mo
Deposit HK$1.24M · loan HK$1.85M · min. income ≈ HK$19,832/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$9,866
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,173
−HK$312/mo
Today · 4.125%
HK$10,485
baseline
▲ 0.50% · 4.625%
HK$11,123
+HK$638/mo
Deposit HK$927K · loan HK$2.16M · min. income ≈ HK$20,970/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,976
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,271
−HK$298/mo
Today · 4.125%
HK$11,569
baseline
▲ 0.50% · 4.625%
HK$12,179
+HK$610/mo
Deposit HK$927K · loan HK$2.16M · min. income ≈ HK$23,138/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,685
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,080
−HK$401/mo
Today · 4.125%
HK$13,481
baseline
▲ 0.50% · 4.625%
HK$14,301
+HK$820/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,962/mo (50% DSR)
Upfront cash ≈ HK$309K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,112
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,491
−HK$384/mo
Today · 4.125%
HK$14,875
baseline
▲ 0.50% · 4.625%
HK$15,659
+HK$784/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,750/mo (50% DSR)
Upfront cash ≈ HK$309K (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).