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$7,091
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,311
−HK$225/mo
Today · 4.125%
HK$7,536
baseline
▲ 0.50% · 4.625%
HK$7,994
+HK$458/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,072/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$7,888
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,100
−HK$215/mo
Today · 4.125%
HK$8,315
baseline
▲ 0.50% · 4.625%
HK$8,753
+HK$438/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,630/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$8,509
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,774
−HK$269/mo
Today · 4.125%
HK$9,043
baseline
▲ 0.50% · 4.625%
HK$9,593
+HK$550/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$18,086/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$9,466
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,720
−HK$258/mo
Today · 4.125%
HK$9,978
baseline
▲ 0.50% · 4.625%
HK$10,504
+HK$526/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$19,956/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$9,927
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,236
−HK$314/mo
Today · 4.125%
HK$10,550
baseline
▲ 0.50% · 4.625%
HK$11,192
+HK$642/mo
Deposit HK$933K · loan HK$2.18M · min. income ≈ HK$21,100/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,044
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,340
−HK$301/mo
Today · 4.125%
HK$11,641
baseline
▲ 0.50% · 4.625%
HK$12,254
+HK$613/mo
Deposit HK$933K · loan HK$2.18M · min. income ≈ HK$23,282/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,764
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,161
−HK$403/mo
Today · 4.125%
HK$13,564
baseline
▲ 0.50% · 4.625%
HK$14,389
+HK$825/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,128/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$14,199
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,580
−HK$386/mo
Today · 4.125%
HK$14,966
baseline
▲ 0.50% · 4.625%
HK$15,755
+HK$789/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,932/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).