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$7,073
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,293
−HK$223/mo
Today · 4.125%
HK$7,516
baseline
▲ 0.50% · 4.625%
HK$7,974
+HK$458/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,032/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$7,869
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,080
−HK$214/mo
Today · 4.125%
HK$8,294
baseline
▲ 0.50% · 4.625%
HK$8,731
+HK$437/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,588/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$8,488
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,752
−HK$268/mo
Today · 4.125%
HK$9,020
baseline
▲ 0.50% · 4.625%
HK$9,569
+HK$549/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,040/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$9,442
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,696
−HK$256/mo
Today · 4.125%
HK$9,952
baseline
▲ 0.50% · 4.625%
HK$10,477
+HK$525/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,904/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$9,902
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,210
−HK$313/mo
Today · 4.125%
HK$10,523
baseline
▲ 0.50% · 4.625%
HK$11,163
+HK$640/mo
Deposit HK$931K · loan HK$2.17M · min. income ≈ HK$21,046/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,016
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,311
−HK$300/mo
Today · 4.125%
HK$11,611
baseline
▲ 0.50% · 4.625%
HK$12,223
+HK$612/mo
Deposit HK$931K · loan HK$2.17M · min. income ≈ HK$23,222/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,731
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,127
−HK$403/mo
Today · 4.125%
HK$13,530
baseline
▲ 0.50% · 4.625%
HK$14,353
+HK$823/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,060/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$14,163
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,543
−HK$386/mo
Today · 4.125%
HK$14,929
baseline
▲ 0.50% · 4.625%
HK$15,716
+HK$787/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,858/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).