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$7,048
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,268
−HK$222/mo
Today · 4.125%
HK$7,490
baseline
▲ 0.50% · 4.625%
HK$7,946
+HK$456/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$14,980/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$7,841
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,051
−HK$214/mo
Today · 4.125%
HK$8,265
baseline
▲ 0.50% · 4.625%
HK$8,700
+HK$435/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,530/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$8,458
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,721
−HK$267/mo
Today · 4.125%
HK$8,988
baseline
▲ 0.50% · 4.625%
HK$9,535
+HK$547/mo
Deposit HK$1.24M · loan HK$1.85M · min. income ≈ HK$17,976/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$9,409
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,662
−HK$256/mo
Today · 4.125%
HK$9,918
baseline
▲ 0.50% · 4.625%
HK$10,440
+HK$522/mo
Deposit HK$1.24M · loan HK$1.85M · min. income ≈ HK$19,836/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$9,868
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,175
−HK$311/mo
Today · 4.125%
HK$10,486
baseline
▲ 0.50% · 4.625%
HK$11,124
+HK$638/mo
Deposit HK$927K · loan HK$2.16M · min. income ≈ HK$20,972/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$10,978
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,272
−HK$299/mo
Today · 4.125%
HK$11,571
baseline
▲ 0.50% · 4.625%
HK$12,181
+HK$610/mo
Deposit HK$927K · loan HK$2.16M · min. income ≈ HK$23,142/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$12,687
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,082
−HK$400/mo
Today · 4.125%
HK$13,482
baseline
▲ 0.50% · 4.625%
HK$14,303
+HK$821/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,964/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$14,114
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,493
−HK$384/mo
Today · 4.125%
HK$14,877
baseline
▲ 0.50% · 4.625%
HK$15,661
+HK$784/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,754/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).