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$7,050
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,270
−HK$222/mo
Today · 4.125%
HK$7,492
baseline
▲ 0.50% · 4.625%
HK$7,948
+HK$456/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$14,984/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$7,843
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,054
−HK$213/mo
Today · 4.125%
HK$8,267
baseline
▲ 0.50% · 4.625%
HK$8,703
+HK$436/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,534/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$8,460
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,724
−HK$267/mo
Today · 4.125%
HK$8,991
baseline
▲ 0.50% · 4.625%
HK$9,538
+HK$547/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$17,982/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$9,412
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,665
−HK$256/mo
Today · 4.125%
HK$9,921
baseline
▲ 0.50% · 4.625%
HK$10,444
+HK$523/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,842/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$9,870
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,178
−HK$311/mo
Today · 4.125%
HK$10,489
baseline
▲ 0.50% · 4.625%
HK$11,128
+HK$639/mo
Deposit HK$928K · loan HK$2.16M · min. income ≈ HK$20,978/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$10,981
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,275
−HK$299/mo
Today · 4.125%
HK$11,574
baseline
▲ 0.50% · 4.625%
HK$12,184
+HK$610/mo
Deposit HK$928K · loan HK$2.16M · min. income ≈ HK$23,148/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$12,691
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,085
−HK$401/mo
Today · 4.125%
HK$13,486
baseline
▲ 0.50% · 4.625%
HK$14,307
+HK$821/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,972/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$14,118
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,497
−HK$384/mo
Today · 4.125%
HK$14,881
baseline
▲ 0.50% · 4.625%
HK$15,665
+HK$784/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,762/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).