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$7,069
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,289
−HK$224/mo
Today · 4.125%
HK$7,513
baseline
▲ 0.50% · 4.625%
HK$7,970
+HK$457/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,026/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$7,865
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,076
−HK$214/mo
Today · 4.125%
HK$8,290
baseline
▲ 0.50% · 4.625%
HK$8,727
+HK$437/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,580/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$8,483
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,747
−HK$268/mo
Today · 4.125%
HK$9,015
baseline
▲ 0.50% · 4.625%
HK$9,564
+HK$549/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,030/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$9,438
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,691
−HK$257/mo
Today · 4.125%
HK$9,948
baseline
▲ 0.50% · 4.625%
HK$10,472
+HK$524/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,896/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$9,897
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,205
−HK$313/mo
Today · 4.125%
HK$10,518
baseline
▲ 0.50% · 4.625%
HK$11,158
+HK$640/mo
Deposit HK$930K · loan HK$2.17M · min. income ≈ HK$21,036/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,011
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,306
−HK$299/mo
Today · 4.125%
HK$11,605
baseline
▲ 0.50% · 4.625%
HK$12,217
+HK$612/mo
Deposit HK$930K · loan HK$2.17M · min. income ≈ HK$23,210/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,725
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,121
−HK$402/mo
Today · 4.125%
HK$13,523
baseline
▲ 0.50% · 4.625%
HK$14,346
+HK$823/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,046/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$14,156
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,536
−HK$385/mo
Today · 4.125%
HK$14,921
baseline
▲ 0.50% · 4.625%
HK$15,708
+HK$787/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,842/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).