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$7,063
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,283
−HK$223/mo
Today · 4.125%
HK$7,506
baseline
▲ 0.50% · 4.625%
HK$7,963
+HK$457/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,012/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$7,858
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,068
−HK$214/mo
Today · 4.125%
HK$8,282
baseline
▲ 0.50% · 4.625%
HK$8,719
+HK$437/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,564/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$8,476
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,739
−HK$268/mo
Today · 4.125%
HK$9,007
baseline
▲ 0.50% · 4.625%
HK$9,555
+HK$548/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,014/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$9,429
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,682
−HK$257/mo
Today · 4.125%
HK$9,939
baseline
▲ 0.50% · 4.625%
HK$10,462
+HK$523/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,878/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$9,888
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,196
−HK$312/mo
Today · 4.125%
HK$10,508
baseline
▲ 0.50% · 4.625%
HK$11,148
+HK$640/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$21,016/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,001
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,296
−HK$299/mo
Today · 4.125%
HK$11,595
baseline
▲ 0.50% · 4.625%
HK$12,206
+HK$611/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$23,190/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,713
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,109
−HK$402/mo
Today · 4.125%
HK$13,511
baseline
▲ 0.50% · 4.625%
HK$14,333
+HK$822/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,022/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$14,144
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,523
−HK$385/mo
Today · 4.125%
HK$14,908
baseline
▲ 0.50% · 4.625%
HK$15,694
+HK$786/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,816/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).