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$7,053
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,272
−HK$223/mo
Today · 4.125%
HK$7,495
baseline
▲ 0.50% · 4.625%
HK$7,951
+HK$456/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$14,990/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$7,846
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,057
−HK$213/mo
Today · 4.125%
HK$8,270
baseline
▲ 0.50% · 4.625%
HK$8,706
+HK$436/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,540/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$8,464
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,727
−HK$267/mo
Today · 4.125%
HK$8,994
baseline
▲ 0.50% · 4.625%
HK$9,542
+HK$548/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$17,988/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$9,416
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,668
−HK$256/mo
Today · 4.125%
HK$9,924
baseline
▲ 0.50% · 4.625%
HK$10,447
+HK$523/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,848/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$9,874
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,181
−HK$312/mo
Today · 4.125%
HK$10,493
baseline
▲ 0.50% · 4.625%
HK$11,132
+HK$639/mo
Deposit HK$928K · loan HK$2.17M · min. income ≈ HK$20,986/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,985
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,280
−HK$298/mo
Today · 4.125%
HK$11,578
baseline
▲ 0.50% · 4.625%
HK$12,189
+HK$611/mo
Deposit HK$928K · loan HK$2.17M · min. income ≈ HK$23,156/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,695
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,090
−HK$401/mo
Today · 4.125%
HK$13,491
baseline
▲ 0.50% · 4.625%
HK$14,312
+HK$821/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,982/mo (50% DSR)
Upfront cash ≈ HK$309K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,123
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,502
−HK$384/mo
Today · 4.125%
HK$14,886
baseline
▲ 0.50% · 4.625%
HK$15,671
+HK$785/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,772/mo (50% DSR)
Upfront cash ≈ HK$309K (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).