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$7,086
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,306
−HK$224/mo
Today · 4.125%
HK$7,530
baseline
▲ 0.50% · 4.625%
HK$7,989
+HK$459/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,060/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$7,883
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,094
−HK$215/mo
Today · 4.125%
HK$8,309
baseline
▲ 0.50% · 4.625%
HK$8,747
+HK$438/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,618/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$8,503
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,768
−HK$268/mo
Today · 4.125%
HK$9,036
baseline
▲ 0.50% · 4.625%
HK$9,586
+HK$550/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,072/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$9,460
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,713
−HK$258/mo
Today · 4.125%
HK$9,971
baseline
▲ 0.50% · 4.625%
HK$10,496
+HK$525/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,942/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$9,920
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,229
−HK$313/mo
Today · 4.125%
HK$10,542
baseline
▲ 0.50% · 4.625%
HK$11,184
+HK$642/mo
Deposit HK$932K · loan HK$2.18M · min. income ≈ HK$21,084/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,036
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,332
−HK$301/mo
Today · 4.125%
HK$11,633
baseline
▲ 0.50% · 4.625%
HK$12,246
+HK$613/mo
Deposit HK$932K · loan HK$2.18M · min. income ≈ HK$23,266/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,755
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,151
−HK$404/mo
Today · 4.125%
HK$13,555
baseline
▲ 0.50% · 4.625%
HK$14,379
+HK$824/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,110/mo (50% DSR)
Upfront cash ≈ HK$311K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,189
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,570
−HK$386/mo
Today · 4.125%
HK$14,956
baseline
▲ 0.50% · 4.625%
HK$15,744
+HK$788/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,912/mo (50% DSR)
Upfront cash ≈ HK$311K (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).