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$7,063
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,282
−HK$223/mo
Today · 4.125%
HK$7,505
baseline
▲ 0.50% · 4.625%
HK$7,962
+HK$457/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,010/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$7,857
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,068
−HK$213/mo
Today · 4.125%
HK$8,281
baseline
▲ 0.50% · 4.625%
HK$8,718
+HK$437/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,562/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$8,475
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,739
−HK$267/mo
Today · 4.125%
HK$9,006
baseline
▲ 0.50% · 4.625%
HK$9,555
+HK$549/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,012/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$9,428
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,681
−HK$257/mo
Today · 4.125%
HK$9,938
baseline
▲ 0.50% · 4.625%
HK$10,462
+HK$524/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,876/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$9,888
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,195
−HK$313/mo
Today · 4.125%
HK$10,508
baseline
▲ 0.50% · 4.625%
HK$11,147
+HK$639/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$21,016/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,000
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,295
−HK$299/mo
Today · 4.125%
HK$11,594
baseline
▲ 0.50% · 4.625%
HK$12,205
+HK$611/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$23,188/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,713
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,108
−HK$402/mo
Today · 4.125%
HK$13,510
baseline
▲ 0.50% · 4.625%
HK$14,332
+HK$822/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,020/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$14,143
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,522
−HK$385/mo
Today · 4.125%
HK$14,907
baseline
▲ 0.50% · 4.625%
HK$15,692
+HK$785/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,814/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).