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$7,060
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,280
−HK$223/mo
Today · 4.125%
HK$7,503
baseline
▲ 0.50% · 4.625%
HK$7,959
+HK$456/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,006/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$7,854
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,065
−HK$214/mo
Today · 4.125%
HK$8,279
baseline
▲ 0.50% · 4.625%
HK$8,715
+HK$436/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,558/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$8,472
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,736
−HK$267/mo
Today · 4.125%
HK$9,003
baseline
▲ 0.50% · 4.625%
HK$9,551
+HK$548/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,006/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$9,425
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,678
−HK$256/mo
Today · 4.125%
HK$9,934
baseline
▲ 0.50% · 4.625%
HK$10,458
+HK$524/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,868/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$9,884
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,192
−HK$312/mo
Today · 4.125%
HK$10,504
baseline
▲ 0.50% · 4.625%
HK$11,143
+HK$639/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$21,008/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$10,996
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,291
−HK$299/mo
Today · 4.125%
HK$11,590
baseline
▲ 0.50% · 4.625%
HK$12,201
+HK$611/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$23,180/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$12,708
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,104
−HK$401/mo
Today · 4.125%
HK$13,505
baseline
▲ 0.50% · 4.625%
HK$14,327
+HK$822/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,010/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$14,138
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,517
−HK$385/mo
Today · 4.125%
HK$14,902
baseline
▲ 0.50% · 4.625%
HK$15,687
+HK$785/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,804/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).