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$7,083
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,303
−HK$224/mo
Today · 4.125%
HK$7,527
baseline
▲ 0.50% · 4.625%
HK$7,985
+HK$458/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,054/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$7,880
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,091
−HK$214/mo
Today · 4.125%
HK$8,305
baseline
▲ 0.50% · 4.625%
HK$8,743
+HK$438/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,610/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$8,500
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,764
−HK$268/mo
Today · 4.125%
HK$9,032
baseline
▲ 0.50% · 4.625%
HK$9,582
+HK$550/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,064/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$9,456
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,709
−HK$257/mo
Today · 4.125%
HK$9,966
baseline
▲ 0.50% · 4.625%
HK$10,492
+HK$526/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,932/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$9,916
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,225
−HK$313/mo
Today · 4.125%
HK$10,538
baseline
▲ 0.50% · 4.625%
HK$11,179
+HK$641/mo
Deposit HK$932K · loan HK$2.17M · min. income ≈ HK$21,076/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$11,032
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,327
−HK$301/mo
Today · 4.125%
HK$11,628
baseline
▲ 0.50% · 4.625%
HK$12,240
+HK$612/mo
Deposit HK$932K · loan HK$2.17M · min. income ≈ HK$23,256/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$12,749
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,146
−HK$403/mo
Today · 4.125%
HK$13,549
baseline
▲ 0.50% · 4.625%
HK$14,373
+HK$824/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,098/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$14,183
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,564
−HK$386/mo
Today · 4.125%
HK$14,950
baseline
▲ 0.50% · 4.625%
HK$15,738
+HK$788/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,900/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).