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$7,064
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,283
−HK$224/mo
Today · 4.125%
HK$7,507
baseline
▲ 0.50% · 4.625%
HK$7,963
+HK$456/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,014/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$7,858
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,069
−HK$214/mo
Today · 4.125%
HK$8,283
baseline
▲ 0.50% · 4.625%
HK$8,719
+HK$436/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,566/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$8,476
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,740
−HK$268/mo
Today · 4.125%
HK$9,008
baseline
▲ 0.50% · 4.625%
HK$9,556
+HK$548/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,016/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$9,430
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,683
−HK$256/mo
Today · 4.125%
HK$9,939
baseline
▲ 0.50% · 4.625%
HK$10,463
+HK$524/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,878/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$9,889
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,197
−HK$312/mo
Today · 4.125%
HK$10,509
baseline
▲ 0.50% · 4.625%
HK$11,149
+HK$640/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$21,018/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$11,002
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,297
−HK$299/mo
Today · 4.125%
HK$11,596
baseline
▲ 0.50% · 4.625%
HK$12,207
+HK$611/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$23,192/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$12,715
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,110
−HK$402/mo
Today · 4.125%
HK$13,512
baseline
▲ 0.50% · 4.625%
HK$14,334
+HK$822/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,024/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$14,145
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,524
−HK$385/mo
Today · 4.125%
HK$14,909
baseline
▲ 0.50% · 4.625%
HK$15,695
+HK$786/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,818/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).