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$7,081
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,302
−HK$223/mo
Today · 4.125%
HK$7,525
baseline
▲ 0.50% · 4.625%
HK$7,983
+HK$458/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,050/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$7,878
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,089
−HK$215/mo
Today · 4.125%
HK$8,304
baseline
▲ 0.50% · 4.625%
HK$8,741
+HK$437/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,608/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$8,498
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,762
−HK$268/mo
Today · 4.125%
HK$9,030
baseline
▲ 0.50% · 4.625%
HK$9,580
+HK$550/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,060/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$9,454
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,707
−HK$257/mo
Today · 4.125%
HK$9,964
baseline
▲ 0.50% · 4.625%
HK$10,489
+HK$525/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,928/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$9,914
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,222
−HK$314/mo
Today · 4.125%
HK$10,536
baseline
▲ 0.50% · 4.625%
HK$11,177
+HK$641/mo
Deposit HK$932K · loan HK$2.17M · min. income ≈ HK$21,072/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,029
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,325
−HK$300/mo
Today · 4.125%
HK$11,625
baseline
▲ 0.50% · 4.625%
HK$12,238
+HK$613/mo
Deposit HK$932K · loan HK$2.17M · min. income ≈ HK$23,250/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,746
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,143
−HK$403/mo
Today · 4.125%
HK$13,546
baseline
▲ 0.50% · 4.625%
HK$14,370
+HK$824/mo
Deposit HK$311K · loan HK$2.79M · min. income ≈ HK$27,092/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$14,180
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,561
−HK$385/mo
Today · 4.125%
HK$14,946
baseline
▲ 0.50% · 4.625%
HK$15,734
+HK$788/mo
Deposit HK$311K · loan HK$2.79M · min. income ≈ HK$29,892/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).