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$7,076
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,296
−HK$224/mo
Today · 4.125%
HK$7,520
baseline
▲ 0.50% · 4.625%
HK$7,977
+HK$457/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,040/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$7,872
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,083
−HK$214/mo
Today · 4.125%
HK$8,297
baseline
▲ 0.50% · 4.625%
HK$8,735
+HK$438/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,594/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$8,491
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,755
−HK$269/mo
Today · 4.125%
HK$9,024
baseline
▲ 0.50% · 4.625%
HK$9,573
+HK$549/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,048/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$9,446
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,700
−HK$257/mo
Today · 4.125%
HK$9,957
baseline
▲ 0.50% · 4.625%
HK$10,482
+HK$525/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,914/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$9,906
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,215
−HK$313/mo
Today · 4.125%
HK$10,528
baseline
▲ 0.50% · 4.625%
HK$11,168
+HK$640/mo
Deposit HK$931K · loan HK$2.17M · min. income ≈ HK$21,056/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,021
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,316
−HK$300/mo
Today · 4.125%
HK$11,616
baseline
▲ 0.50% · 4.625%
HK$12,229
+HK$613/mo
Deposit HK$931K · loan HK$2.17M · min. income ≈ HK$23,232/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,737
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,133
−HK$403/mo
Today · 4.125%
HK$13,536
baseline
▲ 0.50% · 4.625%
HK$14,359
+HK$823/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,072/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$14,170
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,550
−HK$385/mo
Today · 4.125%
HK$14,935
baseline
▲ 0.50% · 4.625%
HK$15,722
+HK$787/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,870/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).