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$7,079
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,300
−HK$223/mo
Today · 4.125%
HK$7,523
baseline
▲ 0.50% · 4.625%
HK$7,981
+HK$458/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,046/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$7,876
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,087
−HK$214/mo
Today · 4.125%
HK$8,301
baseline
▲ 0.50% · 4.625%
HK$8,739
+HK$438/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,602/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$8,495
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,760
−HK$268/mo
Today · 4.125%
HK$9,028
baseline
▲ 0.50% · 4.625%
HK$9,577
+HK$549/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,056/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$9,451
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,705
−HK$257/mo
Today · 4.125%
HK$9,962
baseline
▲ 0.50% · 4.625%
HK$10,487
+HK$525/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,924/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$9,911
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,220
−HK$313/mo
Today · 4.125%
HK$10,533
baseline
▲ 0.50% · 4.625%
HK$11,174
+HK$641/mo
Deposit HK$931K · loan HK$2.17M · min. income ≈ HK$21,066/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$11,026
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,322
−HK$300/mo
Today · 4.125%
HK$11,622
baseline
▲ 0.50% · 4.625%
HK$12,235
+HK$613/mo
Deposit HK$931K · loan HK$2.17M · min. income ≈ HK$23,244/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$12,743
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,139
−HK$403/mo
Today · 4.125%
HK$13,542
baseline
▲ 0.50% · 4.625%
HK$14,366
+HK$824/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,084/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$14,177
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,557
−HK$385/mo
Today · 4.125%
HK$14,942
baseline
▲ 0.50% · 4.625%
HK$15,730
+HK$788/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,884/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).