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$7,055
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,274
−HK$223/mo
Today · 4.125%
HK$7,497
baseline
▲ 0.50% · 4.625%
HK$7,953
+HK$456/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$14,994/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$7,848
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,059
−HK$213/mo
Today · 4.125%
HK$8,272
baseline
▲ 0.50% · 4.625%
HK$8,708
+HK$436/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,544/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$8,465
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,729
−HK$267/mo
Today · 4.125%
HK$8,996
baseline
▲ 0.50% · 4.625%
HK$9,544
+HK$548/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$17,992/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$9,418
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,670
−HK$257/mo
Today · 4.125%
HK$9,927
baseline
▲ 0.50% · 4.625%
HK$10,450
+HK$523/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,854/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$9,876
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,184
−HK$312/mo
Today · 4.125%
HK$10,496
baseline
▲ 0.50% · 4.625%
HK$11,134
+HK$638/mo
Deposit HK$928K · loan HK$2.17M · min. income ≈ HK$20,992/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,987
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,282
−HK$299/mo
Today · 4.125%
HK$11,581
baseline
▲ 0.50% · 4.625%
HK$12,191
+HK$610/mo
Deposit HK$928K · loan HK$2.17M · min. income ≈ HK$23,162/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,698
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,093
−HK$401/mo
Today · 4.125%
HK$13,494
baseline
▲ 0.50% · 4.625%
HK$14,316
+HK$822/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,988/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$14,127
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,505
−HK$385/mo
Today · 4.125%
HK$14,890
baseline
▲ 0.50% · 4.625%
HK$15,675
+HK$785/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,780/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).