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$7,068
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,288
−HK$224/mo
Today · 4.125%
HK$7,512
baseline
▲ 0.50% · 4.625%
HK$7,969
+HK$457/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,024/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$7,864
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,074
−HK$214/mo
Today · 4.125%
HK$8,288
baseline
▲ 0.50% · 4.625%
HK$8,725
+HK$437/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,576/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$8,482
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,746
−HK$268/mo
Today · 4.125%
HK$9,014
baseline
▲ 0.50% · 4.625%
HK$9,562
+HK$548/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,028/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$9,436
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,689
−HK$257/mo
Today · 4.125%
HK$9,946
baseline
▲ 0.50% · 4.625%
HK$10,470
+HK$524/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,892/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$9,896
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,204
−HK$312/mo
Today · 4.125%
HK$10,516
baseline
▲ 0.50% · 4.625%
HK$11,156
+HK$640/mo
Deposit HK$930K · loan HK$2.17M · min. income ≈ HK$21,032/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,009
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,304
−HK$300/mo
Today · 4.125%
HK$11,604
baseline
▲ 0.50% · 4.625%
HK$12,215
+HK$611/mo
Deposit HK$930K · loan HK$2.17M · min. income ≈ HK$23,208/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,723
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,119
−HK$402/mo
Today · 4.125%
HK$13,521
baseline
▲ 0.50% · 4.625%
HK$14,344
+HK$823/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,042/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$14,154
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,534
−HK$385/mo
Today · 4.125%
HK$14,919
baseline
▲ 0.50% · 4.625%
HK$15,705
+HK$786/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,838/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).