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$7,077
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,298
−HK$223/mo
Today · 4.125%
HK$7,521
baseline
▲ 0.50% · 4.625%
HK$7,979
+HK$458/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,042/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$7,874
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,085
−HK$214/mo
Today · 4.125%
HK$8,299
baseline
▲ 0.50% · 4.625%
HK$8,736
+HK$437/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,598/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$8,493
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,757
−HK$268/mo
Today · 4.125%
HK$9,025
baseline
▲ 0.50% · 4.625%
HK$9,575
+HK$550/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,050/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$9,448
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,702
−HK$257/mo
Today · 4.125%
HK$9,959
baseline
▲ 0.50% · 4.625%
HK$10,484
+HK$525/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,918/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$9,908
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,217
−HK$313/mo
Today · 4.125%
HK$10,530
baseline
▲ 0.50% · 4.625%
HK$11,170
+HK$640/mo
Deposit HK$931K · loan HK$2.17M · min. income ≈ HK$21,060/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$11,023
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,319
−HK$299/mo
Today · 4.125%
HK$11,618
baseline
▲ 0.50% · 4.625%
HK$12,231
+HK$613/mo
Deposit HK$931K · loan HK$2.17M · min. income ≈ HK$23,236/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$12,739
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,136
−HK$402/mo
Today · 4.125%
HK$13,538
baseline
▲ 0.50% · 4.625%
HK$14,362
+HK$824/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,076/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$14,172
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,552
−HK$386/mo
Today · 4.125%
HK$14,938
baseline
▲ 0.50% · 4.625%
HK$15,725
+HK$787/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,876/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).