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$7,062
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,281
−HK$223/mo
Today · 4.125%
HK$7,504
baseline
▲ 0.50% · 4.625%
HK$7,961
+HK$457/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,008/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$7,856
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,067
−HK$213/mo
Today · 4.125%
HK$8,280
baseline
▲ 0.50% · 4.625%
HK$8,717
+HK$437/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,560/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$8,474
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,737
−HK$268/mo
Today · 4.125%
HK$9,005
baseline
▲ 0.50% · 4.625%
HK$9,553
+HK$548/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,010/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$9,427
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,680
−HK$256/mo
Today · 4.125%
HK$9,936
baseline
▲ 0.50% · 4.625%
HK$10,460
+HK$524/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,872/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$9,886
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,194
−HK$312/mo
Today · 4.125%
HK$10,506
baseline
▲ 0.50% · 4.625%
HK$11,145
+HK$639/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$21,012/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,998
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,293
−HK$299/mo
Today · 4.125%
HK$11,592
baseline
▲ 0.50% · 4.625%
HK$12,203
+HK$611/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$23,184/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,711
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,106
−HK$402/mo
Today · 4.125%
HK$13,508
baseline
▲ 0.50% · 4.625%
HK$14,330
+HK$822/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,016/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$14,141
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,520
−HK$385/mo
Today · 4.125%
HK$14,905
baseline
▲ 0.50% · 4.625%
HK$15,690
+HK$785/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,810/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).