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$7,074
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,294
−HK$223/mo
Today · 4.125%
HK$7,517
baseline
▲ 0.50% · 4.625%
HK$7,975
+HK$458/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,034/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$7,870
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,081
−HK$214/mo
Today · 4.125%
HK$8,295
baseline
▲ 0.50% · 4.625%
HK$8,732
+HK$437/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,590/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$8,489
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,753
−HK$268/mo
Today · 4.125%
HK$9,021
baseline
▲ 0.50% · 4.625%
HK$9,570
+HK$549/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,042/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$9,444
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,697
−HK$257/mo
Today · 4.125%
HK$9,954
baseline
▲ 0.50% · 4.625%
HK$10,478
+HK$524/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,908/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$9,903
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,211
−HK$313/mo
Today · 4.125%
HK$10,524
baseline
▲ 0.50% · 4.625%
HK$11,165
+HK$641/mo
Deposit HK$931K · loan HK$2.17M · min. income ≈ HK$21,048/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,017
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,313
−HK$300/mo
Today · 4.125%
HK$11,613
baseline
▲ 0.50% · 4.625%
HK$12,225
+HK$612/mo
Deposit HK$931K · loan HK$2.17M · min. income ≈ HK$23,226/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,733
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,129
−HK$402/mo
Today · 4.125%
HK$13,531
baseline
▲ 0.50% · 4.625%
HK$14,355
+HK$824/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,062/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$14,165
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,545
−HK$386/mo
Today · 4.125%
HK$14,931
baseline
▲ 0.50% · 4.625%
HK$15,718
+HK$787/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,862/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).