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$7,047
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,266
−HK$222/mo
Today · 4.125%
HK$7,488
baseline
▲ 0.50% · 4.625%
HK$7,944
+HK$456/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$14,976/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$7,839
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,049
−HK$214/mo
Today · 4.125%
HK$8,263
baseline
▲ 0.50% · 4.625%
HK$8,698
+HK$435/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,526/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$8,456
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,719
−HK$267/mo
Today · 4.125%
HK$8,986
baseline
▲ 0.50% · 4.625%
HK$9,533
+HK$547/mo
Deposit HK$1.24M · loan HK$1.85M · min. income ≈ HK$17,972/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$9,407
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,659
−HK$256/mo
Today · 4.125%
HK$9,915
baseline
▲ 0.50% · 4.625%
HK$10,438
+HK$523/mo
Deposit HK$1.24M · loan HK$1.85M · min. income ≈ HK$19,830/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$9,865
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,172
−HK$312/mo
Today · 4.125%
HK$10,484
baseline
▲ 0.50% · 4.625%
HK$11,122
+HK$638/mo
Deposit HK$927K · loan HK$2.16M · min. income ≈ HK$20,968/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,975
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,269
−HK$299/mo
Today · 4.125%
HK$11,568
baseline
▲ 0.50% · 4.625%
HK$12,178
+HK$610/mo
Deposit HK$927K · loan HK$2.16M · min. income ≈ HK$23,136/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,684
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,078
−HK$401/mo
Today · 4.125%
HK$13,479
baseline
▲ 0.50% · 4.625%
HK$14,299
+HK$820/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,958/mo (50% DSR)
Upfront cash ≈ HK$309K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,111
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,489
−HK$384/mo
Today · 4.125%
HK$14,873
baseline
▲ 0.50% · 4.625%
HK$15,657
+HK$784/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,746/mo (50% DSR)
Upfront cash ≈ HK$309K (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).