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$7,086
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,307
−HK$224/mo
Today · 4.125%
HK$7,531
baseline
▲ 0.50% · 4.625%
HK$7,989
+HK$458/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,062/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$7,884
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,095
−HK$215/mo
Today · 4.125%
HK$8,310
baseline
▲ 0.50% · 4.625%
HK$8,748
+HK$438/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,620/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$8,504
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,768
−HK$269/mo
Today · 4.125%
HK$9,037
baseline
▲ 0.50% · 4.625%
HK$9,587
+HK$550/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,074/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$9,460
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,714
−HK$257/mo
Today · 4.125%
HK$9,971
baseline
▲ 0.50% · 4.625%
HK$10,497
+HK$526/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,942/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$9,921
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,230
−HK$313/mo
Today · 4.125%
HK$10,543
baseline
▲ 0.50% · 4.625%
HK$11,185
+HK$642/mo
Deposit HK$932K · loan HK$2.18M · min. income ≈ HK$21,086/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$11,037
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,333
−HK$300/mo
Today · 4.125%
HK$11,633
baseline
▲ 0.50% · 4.625%
HK$12,247
+HK$614/mo
Deposit HK$932K · loan HK$2.18M · min. income ≈ HK$23,266/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$12,756
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,152
−HK$404/mo
Today · 4.125%
HK$13,556
baseline
▲ 0.50% · 4.625%
HK$14,380
+HK$824/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,112/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$14,190
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,571
−HK$386/mo
Today · 4.125%
HK$14,957
baseline
▲ 0.50% · 4.625%
HK$15,746
+HK$789/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,914/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).