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$7,061
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,280
−HK$224/mo
Today · 4.125%
HK$7,504
baseline
▲ 0.50% · 4.625%
HK$7,960
+HK$456/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,008/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$7,855
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,066
−HK$214/mo
Today · 4.125%
HK$8,280
baseline
▲ 0.50% · 4.625%
HK$8,716
+HK$436/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,560/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$8,473
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,737
−HK$267/mo
Today · 4.125%
HK$9,004
baseline
▲ 0.50% · 4.625%
HK$9,552
+HK$548/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,008/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$9,426
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,679
−HK$256/mo
Today · 4.125%
HK$9,935
baseline
▲ 0.50% · 4.625%
HK$10,459
+HK$524/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,870/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$9,885
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,193
−HK$312/mo
Today · 4.125%
HK$10,505
baseline
▲ 0.50% · 4.625%
HK$11,144
+HK$639/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$21,010/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$10,997
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,292
−HK$299/mo
Today · 4.125%
HK$11,591
baseline
▲ 0.50% · 4.625%
HK$12,202
+HK$611/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$23,182/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$12,710
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,105
−HK$402/mo
Today · 4.125%
HK$13,507
baseline
▲ 0.50% · 4.625%
HK$14,328
+HK$821/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,014/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$14,139
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,518
−HK$385/mo
Today · 4.125%
HK$14,903
baseline
▲ 0.50% · 4.625%
HK$15,689
+HK$786/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,806/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).