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$7,064
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,284
−HK$223/mo
Today · 4.125%
HK$7,507
baseline
▲ 0.50% · 4.625%
HK$7,964
+HK$457/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,014/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$7,859
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,069
−HK$214/mo
Today · 4.125%
HK$8,283
baseline
▲ 0.50% · 4.625%
HK$8,720
+HK$437/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,566/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$8,477
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,741
−HK$267/mo
Today · 4.125%
HK$9,008
baseline
▲ 0.50% · 4.625%
HK$9,557
+HK$549/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,016/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$9,430
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,683
−HK$257/mo
Today · 4.125%
HK$9,940
baseline
▲ 0.50% · 4.625%
HK$10,464
+HK$524/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,880/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$9,890
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,197
−HK$313/mo
Today · 4.125%
HK$10,510
baseline
▲ 0.50% · 4.625%
HK$11,149
+HK$639/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$21,020/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$11,002
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,297
−HK$300/mo
Today · 4.125%
HK$11,597
baseline
▲ 0.50% · 4.625%
HK$12,208
+HK$611/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$23,194/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$12,715
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,111
−HK$402/mo
Today · 4.125%
HK$13,513
baseline
▲ 0.50% · 4.625%
HK$14,335
+HK$822/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,026/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$14,146
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,525
−HK$385/mo
Today · 4.125%
HK$14,910
baseline
▲ 0.50% · 4.625%
HK$15,696
+HK$786/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,820/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).