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$7,075
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,295
−HK$224/mo
Today · 4.125%
HK$7,519
baseline
▲ 0.50% · 4.625%
HK$7,976
+HK$457/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,038/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$7,871
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,082
−HK$214/mo
Today · 4.125%
HK$8,296
baseline
▲ 0.50% · 4.625%
HK$8,734
+HK$438/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,592/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$8,490
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,754
−HK$269/mo
Today · 4.125%
HK$9,023
baseline
▲ 0.50% · 4.625%
HK$9,572
+HK$549/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,046/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$9,445
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,699
−HK$257/mo
Today · 4.125%
HK$9,956
baseline
▲ 0.50% · 4.625%
HK$10,480
+HK$524/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,912/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$9,905
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,213
−HK$313/mo
Today · 4.125%
HK$10,526
baseline
▲ 0.50% · 4.625%
HK$11,167
+HK$641/mo
Deposit HK$931K · loan HK$2.17M · min. income ≈ HK$21,052/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,019
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,315
−HK$300/mo
Today · 4.125%
HK$11,615
baseline
▲ 0.50% · 4.625%
HK$12,227
+HK$612/mo
Deposit HK$931K · loan HK$2.17M · min. income ≈ HK$23,230/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,735
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,131
−HK$403/mo
Today · 4.125%
HK$13,534
baseline
▲ 0.50% · 4.625%
HK$14,357
+HK$823/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,068/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$14,168
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,548
−HK$385/mo
Today · 4.125%
HK$14,933
baseline
▲ 0.50% · 4.625%
HK$15,720
+HK$787/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,866/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).