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$7,052
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,272
−HK$223/mo
Today · 4.125%
HK$7,495
baseline
▲ 0.50% · 4.625%
HK$7,951
+HK$456/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$14,990/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$7,846
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,056
−HK$214/mo
Today · 4.125%
HK$8,270
baseline
▲ 0.50% · 4.625%
HK$8,705
+HK$435/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,540/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$8,463
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,726
−HK$267/mo
Today · 4.125%
HK$8,993
baseline
▲ 0.50% · 4.625%
HK$9,541
+HK$548/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$17,986/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$9,415
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,667
−HK$256/mo
Today · 4.125%
HK$9,923
baseline
▲ 0.50% · 4.625%
HK$10,446
+HK$523/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,846/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$9,873
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,180
−HK$312/mo
Today · 4.125%
HK$10,492
baseline
▲ 0.50% · 4.625%
HK$11,131
+HK$639/mo
Deposit HK$928K · loan HK$2.16M · min. income ≈ HK$20,984/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,984
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,278
−HK$299/mo
Today · 4.125%
HK$11,577
baseline
▲ 0.50% · 4.625%
HK$12,188
+HK$611/mo
Deposit HK$928K · loan HK$2.16M · min. income ≈ HK$23,154/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,694
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,089
−HK$401/mo
Today · 4.125%
HK$13,490
baseline
▲ 0.50% · 4.625%
HK$14,311
+HK$821/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,980/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$14,122
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,501
−HK$384/mo
Today · 4.125%
HK$14,885
baseline
▲ 0.50% · 4.625%
HK$15,670
+HK$785/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,770/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).