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$7,087
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,308
−HK$224/mo
Today · 4.125%
HK$7,532
baseline
▲ 0.50% · 4.625%
HK$7,990
+HK$458/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,064/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$7,884
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,096
−HK$214/mo
Today · 4.125%
HK$8,310
baseline
▲ 0.50% · 4.625%
HK$8,748
+HK$438/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,620/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$8,505
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,769
−HK$269/mo
Today · 4.125%
HK$9,038
baseline
▲ 0.50% · 4.625%
HK$9,588
+HK$550/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,076/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$9,461
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,715
−HK$257/mo
Today · 4.125%
HK$9,972
baseline
▲ 0.50% · 4.625%
HK$10,498
+HK$526/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,944/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$9,922
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,231
−HK$313/mo
Today · 4.125%
HK$10,544
baseline
▲ 0.50% · 4.625%
HK$11,186
+HK$642/mo
Deposit HK$932K · loan HK$2.18M · min. income ≈ HK$21,088/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,038
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,334
−HK$301/mo
Today · 4.125%
HK$11,635
baseline
▲ 0.50% · 4.625%
HK$12,248
+HK$613/mo
Deposit HK$932K · loan HK$2.18M · min. income ≈ HK$23,270/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,757
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,154
−HK$403/mo
Today · 4.125%
HK$13,557
baseline
▲ 0.50% · 4.625%
HK$14,382
+HK$825/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,114/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$14,192
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,573
−HK$386/mo
Today · 4.125%
HK$14,959
baseline
▲ 0.50% · 4.625%
HK$15,747
+HK$788/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,918/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).