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$7,054
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,274
−HK$223/mo
Today · 4.125%
HK$7,497
baseline
▲ 0.50% · 4.625%
HK$7,953
+HK$456/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$14,994/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$7,848
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,058
−HK$214/mo
Today · 4.125%
HK$8,272
baseline
▲ 0.50% · 4.625%
HK$8,708
+HK$436/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,544/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$8,465
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,728
−HK$268/mo
Today · 4.125%
HK$8,996
baseline
▲ 0.50% · 4.625%
HK$9,543
+HK$547/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$17,992/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$9,417
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,670
−HK$256/mo
Today · 4.125%
HK$9,926
baseline
▲ 0.50% · 4.625%
HK$10,449
+HK$523/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,852/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$9,876
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,183
−HK$312/mo
Today · 4.125%
HK$10,495
baseline
▲ 0.50% · 4.625%
HK$11,134
+HK$639/mo
Deposit HK$928K · loan HK$2.17M · min. income ≈ HK$20,990/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$10,987
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,281
−HK$299/mo
Today · 4.125%
HK$11,580
baseline
▲ 0.50% · 4.625%
HK$12,191
+HK$611/mo
Deposit HK$928K · loan HK$2.17M · min. income ≈ HK$23,160/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$12,698
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,092
−HK$402/mo
Today · 4.125%
HK$13,494
baseline
▲ 0.50% · 4.625%
HK$14,315
+HK$821/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,988/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$14,126
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,505
−HK$384/mo
Today · 4.125%
HK$14,889
baseline
▲ 0.50% · 4.625%
HK$15,674
+HK$785/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,778/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).