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$7,067
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,287
−HK$223/mo
Today · 4.125%
HK$7,510
baseline
▲ 0.50% · 4.625%
HK$7,967
+HK$457/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,020/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$7,862
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,073
−HK$214/mo
Today · 4.125%
HK$8,287
baseline
▲ 0.50% · 4.625%
HK$8,724
+HK$437/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,574/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$8,480
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,744
−HK$268/mo
Today · 4.125%
HK$9,012
baseline
▲ 0.50% · 4.625%
HK$9,561
+HK$549/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,024/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$9,434
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,687
−HK$257/mo
Today · 4.125%
HK$9,944
baseline
▲ 0.50% · 4.625%
HK$10,468
+HK$524/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,888/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$9,894
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,202
−HK$312/mo
Today · 4.125%
HK$10,514
baseline
▲ 0.50% · 4.625%
HK$11,154
+HK$640/mo
Deposit HK$930K · loan HK$2.17M · min. income ≈ HK$21,028/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,007
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,302
−HK$300/mo
Today · 4.125%
HK$11,602
baseline
▲ 0.50% · 4.625%
HK$12,213
+HK$611/mo
Deposit HK$930K · loan HK$2.17M · min. income ≈ HK$23,204/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,721
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,116
−HK$402/mo
Today · 4.125%
HK$13,518
baseline
▲ 0.50% · 4.625%
HK$14,341
+HK$823/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,036/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$14,152
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,531
−HK$385/mo
Today · 4.125%
HK$14,916
baseline
▲ 0.50% · 4.625%
HK$15,702
+HK$786/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,832/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).