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$7,058
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,278
−HK$223/mo
Today · 4.125%
HK$7,501
baseline
▲ 0.50% · 4.625%
HK$7,957
+HK$456/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,002/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$7,852
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,063
−HK$213/mo
Today · 4.125%
HK$8,276
baseline
▲ 0.50% · 4.625%
HK$8,713
+HK$437/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,552/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$8,470
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,733
−HK$268/mo
Today · 4.125%
HK$9,001
baseline
▲ 0.50% · 4.625%
HK$9,549
+HK$548/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,002/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$9,423
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,675
−HK$257/mo
Today · 4.125%
HK$9,932
baseline
▲ 0.50% · 4.625%
HK$10,455
+HK$523/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,864/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$9,881
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,189
−HK$312/mo
Today · 4.125%
HK$10,501
baseline
▲ 0.50% · 4.625%
HK$11,140
+HK$639/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$21,002/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$10,993
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,288
−HK$299/mo
Today · 4.125%
HK$11,587
baseline
▲ 0.50% · 4.625%
HK$12,198
+HK$611/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$23,174/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$12,705
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,100
−HK$401/mo
Today · 4.125%
HK$13,501
baseline
▲ 0.50% · 4.625%
HK$14,323
+HK$822/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,002/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$14,134
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,513
−HK$385/mo
Today · 4.125%
HK$14,898
baseline
▲ 0.50% · 4.625%
HK$15,683
+HK$785/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,796/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).