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$7,075
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,295
−HK$224/mo
Today · 4.125%
HK$7,519
baseline
▲ 0.50% · 4.625%
HK$7,977
+HK$458/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,038/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$7,871
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,082
−HK$215/mo
Today · 4.125%
HK$8,297
baseline
▲ 0.50% · 4.625%
HK$8,734
+HK$437/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,594/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$8,490
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,755
−HK$268/mo
Today · 4.125%
HK$9,023
baseline
▲ 0.50% · 4.625%
HK$9,572
+HK$549/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,046/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$9,446
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,699
−HK$257/mo
Today · 4.125%
HK$9,956
baseline
▲ 0.50% · 4.625%
HK$10,481
+HK$525/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,912/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$9,906
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,214
−HK$313/mo
Today · 4.125%
HK$10,527
baseline
▲ 0.50% · 4.625%
HK$11,167
+HK$640/mo
Deposit HK$931K · loan HK$2.17M · min. income ≈ HK$21,054/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,020
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,315
−HK$300/mo
Today · 4.125%
HK$11,615
baseline
▲ 0.50% · 4.625%
HK$12,227
+HK$612/mo
Deposit HK$931K · loan HK$2.17M · min. income ≈ HK$23,230/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,736
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,132
−HK$402/mo
Today · 4.125%
HK$13,534
baseline
▲ 0.50% · 4.625%
HK$14,358
+HK$824/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,068/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$14,168
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,548
−HK$386/mo
Today · 4.125%
HK$14,934
baseline
▲ 0.50% · 4.625%
HK$15,721
+HK$787/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,868/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).