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$7,051
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,271
−HK$223/mo
Today · 4.125%
HK$7,494
baseline
▲ 0.50% · 4.625%
HK$7,950
+HK$456/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$14,988/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$7,845
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,055
−HK$213/mo
Today · 4.125%
HK$8,268
baseline
▲ 0.50% · 4.625%
HK$8,704
+HK$436/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,536/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$8,462
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,725
−HK$267/mo
Today · 4.125%
HK$8,992
baseline
▲ 0.50% · 4.625%
HK$9,540
+HK$548/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$17,984/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$9,414
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,666
−HK$256/mo
Today · 4.125%
HK$9,922
baseline
▲ 0.50% · 4.625%
HK$10,445
+HK$523/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,844/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$9,872
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,179
−HK$312/mo
Today · 4.125%
HK$10,491
baseline
▲ 0.50% · 4.625%
HK$11,129
+HK$638/mo
Deposit HK$928K · loan HK$2.16M · min. income ≈ HK$20,982/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$10,983
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,277
−HK$299/mo
Today · 4.125%
HK$11,576
baseline
▲ 0.50% · 4.625%
HK$12,186
+HK$610/mo
Deposit HK$928K · loan HK$2.16M · min. income ≈ HK$23,152/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$12,693
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,087
−HK$402/mo
Today · 4.125%
HK$13,489
baseline
▲ 0.50% · 4.625%
HK$14,309
+HK$820/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,978/mo (50% DSR)
Upfront cash ≈ HK$309K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,120
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,499
−HK$384/mo
Today · 4.125%
HK$14,883
baseline
▲ 0.50% · 4.625%
HK$15,668
+HK$785/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,766/mo (50% DSR)
Upfront cash ≈ HK$309K (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).