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$7,059
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,278
−HK$223/mo
Today · 4.125%
HK$7,501
baseline
▲ 0.50% · 4.625%
HK$7,958
+HK$457/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,002/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$7,853
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,063
−HK$214/mo
Today · 4.125%
HK$8,277
baseline
▲ 0.50% · 4.625%
HK$8,713
+HK$436/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,554/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$8,470
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,734
−HK$268/mo
Today · 4.125%
HK$9,002
baseline
▲ 0.50% · 4.625%
HK$9,549
+HK$547/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,004/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$9,423
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,676
−HK$256/mo
Today · 4.125%
HK$9,932
baseline
▲ 0.50% · 4.625%
HK$10,456
+HK$524/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,864/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$9,882
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,190
−HK$312/mo
Today · 4.125%
HK$10,502
baseline
▲ 0.50% · 4.625%
HK$11,141
+HK$639/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$21,004/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$10,994
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,289
−HK$299/mo
Today · 4.125%
HK$11,588
baseline
▲ 0.50% · 4.625%
HK$12,199
+HK$611/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$23,176/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$12,706
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,101
−HK$401/mo
Today · 4.125%
HK$13,502
baseline
▲ 0.50% · 4.625%
HK$14,324
+HK$822/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,004/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$14,135
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,514
−HK$385/mo
Today · 4.125%
HK$14,899
baseline
▲ 0.50% · 4.625%
HK$15,684
+HK$785/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,798/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).