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$7,049
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,268
−HK$223/mo
Today · 4.125%
HK$7,491
baseline
▲ 0.50% · 4.625%
HK$7,947
+HK$456/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$14,982/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$7,842
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,052
−HK$214/mo
Today · 4.125%
HK$8,266
baseline
▲ 0.50% · 4.625%
HK$8,701
+HK$435/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,532/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$8,459
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,722
−HK$267/mo
Today · 4.125%
HK$8,989
baseline
▲ 0.50% · 4.625%
HK$9,536
+HK$547/mo
Deposit HK$1.24M · loan HK$1.85M · min. income ≈ HK$17,978/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$9,410
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,663
−HK$256/mo
Today · 4.125%
HK$9,919
baseline
▲ 0.50% · 4.625%
HK$10,442
+HK$523/mo
Deposit HK$1.24M · loan HK$1.85M · min. income ≈ HK$19,838/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$9,869
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,176
−HK$311/mo
Today · 4.125%
HK$10,487
baseline
▲ 0.50% · 4.625%
HK$11,126
+HK$639/mo
Deposit HK$927K · loan HK$2.16M · min. income ≈ HK$20,974/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,979
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,273
−HK$299/mo
Today · 4.125%
HK$11,572
baseline
▲ 0.50% · 4.625%
HK$12,182
+HK$610/mo
Deposit HK$927K · loan HK$2.16M · min. income ≈ HK$23,144/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,688
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,083
−HK$401/mo
Today · 4.125%
HK$13,484
baseline
▲ 0.50% · 4.625%
HK$14,304
+HK$820/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,968/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$14,115
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,494
−HK$384/mo
Today · 4.125%
HK$14,878
baseline
▲ 0.50% · 4.625%
HK$15,662
+HK$784/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,756/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).