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$7,081
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,301
−HK$224/mo
Today · 4.125%
HK$7,525
baseline
▲ 0.50% · 4.625%
HK$7,983
+HK$458/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,050/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$7,877
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,089
−HK$214/mo
Today · 4.125%
HK$8,303
baseline
▲ 0.50% · 4.625%
HK$8,741
+HK$438/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,606/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$8,497
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,761
−HK$269/mo
Today · 4.125%
HK$9,030
baseline
▲ 0.50% · 4.625%
HK$9,579
+HK$549/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,060/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$9,453
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,707
−HK$257/mo
Today · 4.125%
HK$9,964
baseline
▲ 0.50% · 4.625%
HK$10,489
+HK$525/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,928/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$9,913
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,222
−HK$313/mo
Today · 4.125%
HK$10,535
baseline
▲ 0.50% · 4.625%
HK$11,176
+HK$641/mo
Deposit HK$932K · loan HK$2.17M · min. income ≈ HK$21,070/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,028
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,324
−HK$300/mo
Today · 4.125%
HK$11,624
baseline
▲ 0.50% · 4.625%
HK$12,237
+HK$613/mo
Deposit HK$932K · loan HK$2.17M · min. income ≈ HK$23,248/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,746
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,142
−HK$403/mo
Today · 4.125%
HK$13,545
baseline
▲ 0.50% · 4.625%
HK$14,369
+HK$824/mo
Deposit HK$311K · loan HK$2.79M · min. income ≈ HK$27,090/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$14,179
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,560
−HK$386/mo
Today · 4.125%
HK$14,946
baseline
▲ 0.50% · 4.625%
HK$15,733
+HK$787/mo
Deposit HK$311K · loan HK$2.79M · min. income ≈ HK$29,892/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).