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$7,082
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,303
−HK$223/mo
Today · 4.125%
HK$7,526
baseline
▲ 0.50% · 4.625%
HK$7,984
+HK$458/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,052/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$7,879
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,090
−HK$215/mo
Today · 4.125%
HK$8,305
baseline
▲ 0.50% · 4.625%
HK$8,742
+HK$437/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,610/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$8,499
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,763
−HK$269/mo
Today · 4.125%
HK$9,032
baseline
▲ 0.50% · 4.625%
HK$9,581
+HK$549/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,064/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$9,455
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,708
−HK$258/mo
Today · 4.125%
HK$9,966
baseline
▲ 0.50% · 4.625%
HK$10,491
+HK$525/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,932/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$9,915
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,224
−HK$313/mo
Today · 4.125%
HK$10,537
baseline
▲ 0.50% · 4.625%
HK$11,178
+HK$641/mo
Deposit HK$932K · loan HK$2.17M · min. income ≈ HK$21,074/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$11,031
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,326
−HK$301/mo
Today · 4.125%
HK$11,627
baseline
▲ 0.50% · 4.625%
HK$12,239
+HK$612/mo
Deposit HK$932K · loan HK$2.17M · min. income ≈ HK$23,254/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$12,748
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,145
−HK$403/mo
Today · 4.125%
HK$13,548
baseline
▲ 0.50% · 4.625%
HK$14,372
+HK$824/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,096/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$14,182
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,563
−HK$385/mo
Today · 4.125%
HK$14,948
baseline
▲ 0.50% · 4.625%
HK$15,736
+HK$788/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,896/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).