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$7,091
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,312
−HK$224/mo
Today · 4.125%
HK$7,536
baseline
▲ 0.50% · 4.625%
HK$7,995
+HK$459/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,072/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,889
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,101
−HK$214/mo
Today · 4.125%
HK$8,315
baseline
▲ 0.50% · 4.625%
HK$8,754
+HK$439/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,630/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,510
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,774
−HK$269/mo
Today · 4.125%
HK$9,043
baseline
▲ 0.50% · 4.625%
HK$9,593
+HK$550/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$18,086/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$9,467
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,721
−HK$257/mo
Today · 4.125%
HK$9,978
baseline
▲ 0.50% · 4.625%
HK$10,504
+HK$526/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$19,956/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$9,928
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,237
−HK$313/mo
Today · 4.125%
HK$10,550
baseline
▲ 0.50% · 4.625%
HK$11,192
+HK$642/mo
Deposit HK$933K · loan HK$2.18M · min. income ≈ HK$21,100/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$11,045
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,341
−HK$300/mo
Today · 4.125%
HK$11,641
baseline
▲ 0.50% · 4.625%
HK$12,255
+HK$614/mo
Deposit HK$933K · loan HK$2.18M · min. income ≈ HK$23,282/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$12,764
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,161
−HK$404/mo
Today · 4.125%
HK$13,565
baseline
▲ 0.50% · 4.625%
HK$14,390
+HK$825/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,130/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$14,200
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,581
−HK$386/mo
Today · 4.125%
HK$14,967
baseline
▲ 0.50% · 4.625%
HK$15,756
+HK$789/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,934/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).