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$7,057
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,277
−HK$223/mo
Today · 4.125%
HK$7,500
baseline
▲ 0.50% · 4.625%
HK$7,956
+HK$456/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,000/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$7,851
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,062
−HK$213/mo
Today · 4.125%
HK$8,275
baseline
▲ 0.50% · 4.625%
HK$8,711
+HK$436/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,550/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$8,469
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,732
−HK$268/mo
Today · 4.125%
HK$9,000
baseline
▲ 0.50% · 4.625%
HK$9,547
+HK$547/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,000/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$9,421
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,674
−HK$256/mo
Today · 4.125%
HK$9,930
baseline
▲ 0.50% · 4.625%
HK$10,454
+HK$524/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,860/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$9,880
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,187
−HK$312/mo
Today · 4.125%
HK$10,499
baseline
▲ 0.50% · 4.625%
HK$11,138
+HK$639/mo
Deposit HK$928K · loan HK$2.17M · min. income ≈ HK$20,998/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,991
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,286
−HK$299/mo
Today · 4.125%
HK$11,585
baseline
▲ 0.50% · 4.625%
HK$12,196
+HK$611/mo
Deposit HK$928K · loan HK$2.17M · min. income ≈ HK$23,170/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,703
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,098
−HK$401/mo
Today · 4.125%
HK$13,499
baseline
▲ 0.50% · 4.625%
HK$14,321
+HK$822/mo
Deposit HK$309K · loan HK$2.79M · min. income ≈ HK$26,998/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$14,132
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,511
−HK$384/mo
Today · 4.125%
HK$14,895
baseline
▲ 0.50% · 4.625%
HK$15,680
+HK$785/mo
Deposit HK$309K · loan HK$2.79M · min. income ≈ HK$29,790/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).