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$7,051
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,270
−HK$223/mo
Today · 4.125%
HK$7,493
baseline
▲ 0.50% · 4.625%
HK$7,949
+HK$456/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$14,986/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$7,844
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,055
−HK$213/mo
Today · 4.125%
HK$8,268
baseline
▲ 0.50% · 4.625%
HK$8,704
+HK$436/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,536/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$8,461
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,724
−HK$268/mo
Today · 4.125%
HK$8,992
baseline
▲ 0.50% · 4.625%
HK$9,539
+HK$547/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$17,984/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$9,413
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,665
−HK$257/mo
Today · 4.125%
HK$9,922
baseline
▲ 0.50% · 4.625%
HK$10,445
+HK$523/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,844/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$9,871
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,178
−HK$312/mo
Today · 4.125%
HK$10,490
baseline
▲ 0.50% · 4.625%
HK$11,129
+HK$639/mo
Deposit HK$928K · loan HK$2.16M · min. income ≈ HK$20,980/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,982
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,276
−HK$299/mo
Today · 4.125%
HK$11,575
baseline
▲ 0.50% · 4.625%
HK$12,185
+HK$610/mo
Deposit HK$928K · loan HK$2.16M · min. income ≈ HK$23,150/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,692
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,087
−HK$401/mo
Today · 4.125%
HK$13,488
baseline
▲ 0.50% · 4.625%
HK$14,308
+HK$820/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,976/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$14,120
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,498
−HK$384/mo
Today · 4.125%
HK$14,882
baseline
▲ 0.50% · 4.625%
HK$15,667
+HK$785/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,764/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).