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$7,080
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,300
−HK$224/mo
Today · 4.125%
HK$7,524
baseline
▲ 0.50% · 4.625%
HK$7,982
+HK$458/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,048/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$425/mo
▼ 0.25% · 3.875%
HK$8,088
−HK$214/mo
Today · 4.125%
HK$8,302
baseline
▲ 0.50% · 4.625%
HK$8,740
+HK$438/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,604/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$8,496
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,761
−HK$268/mo
Today · 4.125%
HK$9,029
baseline
▲ 0.50% · 4.625%
HK$9,578
+HK$549/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,058/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$9,452
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,705
−HK$258/mo
Today · 4.125%
HK$9,963
baseline
▲ 0.50% · 4.625%
HK$10,488
+HK$525/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,926/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$9,912
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,221
−HK$313/mo
Today · 4.125%
HK$10,534
baseline
▲ 0.50% · 4.625%
HK$11,175
+HK$641/mo
Deposit HK$932K · loan HK$2.17M · min. income ≈ HK$21,068/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$11,027
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,323
−HK$300/mo
Today · 4.125%
HK$11,623
baseline
▲ 0.50% · 4.625%
HK$12,236
+HK$613/mo
Deposit HK$932K · loan HK$2.17M · min. income ≈ HK$23,246/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$12,744
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,141
−HK$403/mo
Today · 4.125%
HK$13,544
baseline
▲ 0.50% · 4.625%
HK$14,368
+HK$824/mo
Deposit HK$311K · loan HK$2.79M · min. income ≈ HK$27,088/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$14,178
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,558
−HK$386/mo
Today · 4.125%
HK$14,944
baseline
▲ 0.50% · 4.625%
HK$15,732
+HK$788/mo
Deposit HK$311K · loan HK$2.79M · min. income ≈ HK$29,888/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).