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$7,089
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,309
−HK$224/mo
Today · 4.125%
HK$7,533
baseline
▲ 0.50% · 4.625%
HK$7,991
+HK$458/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,066/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$7,886
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,097
−HK$215/mo
Today · 4.125%
HK$8,312
baseline
▲ 0.50% · 4.625%
HK$8,750
+HK$438/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,624/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$8,506
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,771
−HK$269/mo
Today · 4.125%
HK$9,040
baseline
▲ 0.50% · 4.625%
HK$9,590
+HK$550/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$18,080/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$9,463
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,717
−HK$257/mo
Today · 4.125%
HK$9,974
baseline
▲ 0.50% · 4.625%
HK$10,500
+HK$526/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$19,948/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$9,924
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,233
−HK$313/mo
Today · 4.125%
HK$10,546
baseline
▲ 0.50% · 4.625%
HK$11,188
+HK$642/mo
Deposit HK$933K · loan HK$2.18M · min. income ≈ HK$21,092/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,040
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,336
−HK$301/mo
Today · 4.125%
HK$11,637
baseline
▲ 0.50% · 4.625%
HK$12,250
+HK$613/mo
Deposit HK$933K · loan HK$2.18M · min. income ≈ HK$23,274/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,759
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,156
−HK$403/mo
Today · 4.125%
HK$13,559
baseline
▲ 0.50% · 4.625%
HK$14,385
+HK$826/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,118/mo (50% DSR)
Upfront cash ≈ HK$311K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,195
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,575
−HK$387/mo
Today · 4.125%
HK$14,962
baseline
▲ 0.50% · 4.625%
HK$15,750
+HK$788/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,924/mo (50% DSR)
Upfront cash ≈ HK$311K (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).