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$7,050
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,269
−HK$223/mo
Today · 4.125%
HK$7,492
baseline
▲ 0.50% · 4.625%
HK$7,948
+HK$456/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$14,984/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$7,843
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,053
−HK$214/mo
Today · 4.125%
HK$8,267
baseline
▲ 0.50% · 4.625%
HK$8,702
+HK$435/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,534/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$8,460
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,723
−HK$267/mo
Today · 4.125%
HK$8,990
baseline
▲ 0.50% · 4.625%
HK$9,537
+HK$547/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$17,980/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$9,411
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,664
−HK$256/mo
Today · 4.125%
HK$9,920
baseline
▲ 0.50% · 4.625%
HK$10,443
+HK$523/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,840/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$9,870
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,177
−HK$312/mo
Today · 4.125%
HK$10,489
baseline
▲ 0.50% · 4.625%
HK$11,127
+HK$638/mo
Deposit HK$928K · loan HK$2.16M · min. income ≈ HK$20,978/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$10,980
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,275
−HK$298/mo
Today · 4.125%
HK$11,573
baseline
▲ 0.50% · 4.625%
HK$12,183
+HK$610/mo
Deposit HK$928K · loan HK$2.16M · min. income ≈ HK$23,146/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$12,690
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,084
−HK$402/mo
Today · 4.125%
HK$13,486
baseline
▲ 0.50% · 4.625%
HK$14,306
+HK$820/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,972/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$14,117
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,496
−HK$384/mo
Today · 4.125%
HK$14,880
baseline
▲ 0.50% · 4.625%
HK$15,664
+HK$784/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,760/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).