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$7,056
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,276
−HK$223/mo
Today · 4.125%
HK$7,499
baseline
▲ 0.50% · 4.625%
HK$7,955
+HK$456/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$14,998/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$7,850
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,061
−HK$213/mo
Today · 4.125%
HK$8,274
baseline
▲ 0.50% · 4.625%
HK$8,710
+HK$436/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,548/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$8,468
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,731
−HK$268/mo
Today · 4.125%
HK$8,999
baseline
▲ 0.50% · 4.625%
HK$9,546
+HK$547/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$17,998/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$9,420
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,673
−HK$256/mo
Today · 4.125%
HK$9,929
baseline
▲ 0.50% · 4.625%
HK$10,452
+HK$523/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,858/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$9,879
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,186
−HK$312/mo
Today · 4.125%
HK$10,498
baseline
▲ 0.50% · 4.625%
HK$11,137
+HK$639/mo
Deposit HK$928K · loan HK$2.17M · min. income ≈ HK$20,996/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$10,990
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,285
−HK$299/mo
Today · 4.125%
HK$11,584
baseline
▲ 0.50% · 4.625%
HK$12,195
+HK$611/mo
Deposit HK$928K · loan HK$2.17M · min. income ≈ HK$23,168/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$12,701
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,097
−HK$401/mo
Today · 4.125%
HK$13,498
baseline
▲ 0.50% · 4.625%
HK$14,319
+HK$821/mo
Deposit HK$309K · loan HK$2.79M · min. income ≈ HK$26,996/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$14,130
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,509
−HK$385/mo
Today · 4.125%
HK$14,894
baseline
▲ 0.50% · 4.625%
HK$15,679
+HK$785/mo
Deposit HK$309K · loan HK$2.79M · min. income ≈ HK$29,788/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).