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$7,078
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,298
−HK$223/mo
Today · 4.125%
HK$7,521
baseline
▲ 0.50% · 4.625%
HK$7,979
+HK$458/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,042/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$7,874
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,085
−HK$214/mo
Today · 4.125%
HK$8,299
baseline
▲ 0.50% · 4.625%
HK$8,737
+HK$438/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,598/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$8,493
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,757
−HK$269/mo
Today · 4.125%
HK$9,026
baseline
▲ 0.50% · 4.625%
HK$9,575
+HK$549/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,052/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$9,448
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,702
−HK$257/mo
Today · 4.125%
HK$9,959
baseline
▲ 0.50% · 4.625%
HK$10,484
+HK$525/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,918/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$9,909
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,217
−HK$313/mo
Today · 4.125%
HK$10,530
baseline
▲ 0.50% · 4.625%
HK$11,171
+HK$641/mo
Deposit HK$931K · loan HK$2.17M · min. income ≈ HK$21,060/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$11,023
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,319
−HK$300/mo
Today · 4.125%
HK$11,619
baseline
▲ 0.50% · 4.625%
HK$12,231
+HK$612/mo
Deposit HK$931K · loan HK$2.17M · min. income ≈ HK$23,238/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$12,740
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,136
−HK$402/mo
Today · 4.125%
HK$13,538
baseline
▲ 0.50% · 4.625%
HK$14,362
+HK$824/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,076/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$14,173
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,553
−HK$385/mo
Today · 4.125%
HK$14,938
baseline
▲ 0.50% · 4.625%
HK$15,726
+HK$788/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,876/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).