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$7,048
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,268
−HK$222/mo
Today · 4.125%
HK$7,490
baseline
▲ 0.50% · 4.625%
HK$7,946
+HK$456/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$14,980/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$7,841
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,052
−HK$213/mo
Today · 4.125%
HK$8,265
baseline
▲ 0.50% · 4.625%
HK$8,701
+HK$436/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,530/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$8,458
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,721
−HK$268/mo
Today · 4.125%
HK$8,989
baseline
▲ 0.50% · 4.625%
HK$9,535
+HK$546/mo
Deposit HK$1.24M · loan HK$1.85M · min. income ≈ HK$17,978/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$9,410
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,662
−HK$256/mo
Today · 4.125%
HK$9,918
baseline
▲ 0.50% · 4.625%
HK$10,441
+HK$523/mo
Deposit HK$1.24M · loan HK$1.85M · min. income ≈ HK$19,836/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$9,868
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,175
−HK$312/mo
Today · 4.125%
HK$10,487
baseline
▲ 0.50% · 4.625%
HK$11,125
+HK$638/mo
Deposit HK$927K · loan HK$2.16M · min. income ≈ HK$20,974/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,978
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,272
−HK$299/mo
Today · 4.125%
HK$11,571
baseline
▲ 0.50% · 4.625%
HK$12,181
+HK$610/mo
Deposit HK$927K · loan HK$2.16M · min. income ≈ HK$23,142/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,687
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,082
−HK$401/mo
Today · 4.125%
HK$13,483
baseline
▲ 0.50% · 4.625%
HK$14,303
+HK$820/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,966/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$14,114
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,493
−HK$384/mo
Today · 4.125%
HK$14,877
baseline
▲ 0.50% · 4.625%
HK$15,661
+HK$784/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,754/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).