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$7,084
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,304
−HK$224/mo
Today · 4.125%
HK$7,528
baseline
▲ 0.50% · 4.625%
HK$7,986
+HK$458/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,056/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$7,881
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,092
−HK$214/mo
Today · 4.125%
HK$8,306
baseline
▲ 0.50% · 4.625%
HK$8,744
+HK$438/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,612/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$8,501
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,765
−HK$269/mo
Today · 4.125%
HK$9,034
baseline
▲ 0.50% · 4.625%
HK$9,583
+HK$549/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,068/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$9,457
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,710
−HK$258/mo
Today · 4.125%
HK$9,968
baseline
▲ 0.50% · 4.625%
HK$10,493
+HK$525/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,936/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$9,917
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,226
−HK$313/mo
Today · 4.125%
HK$10,539
baseline
▲ 0.50% · 4.625%
HK$11,181
+HK$642/mo
Deposit HK$932K · loan HK$2.17M · min. income ≈ HK$21,078/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,033
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,329
−HK$300/mo
Today · 4.125%
HK$11,629
baseline
▲ 0.50% · 4.625%
HK$12,242
+HK$613/mo
Deposit HK$932K · loan HK$2.17M · min. income ≈ HK$23,258/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,751
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,147
−HK$403/mo
Today · 4.125%
HK$13,550
baseline
▲ 0.50% · 4.625%
HK$14,375
+HK$825/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,100/mo (50% DSR)
Upfront cash ≈ HK$311K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,185
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,566
−HK$386/mo
Today · 4.125%
HK$14,952
baseline
▲ 0.50% · 4.625%
HK$15,740
+HK$788/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,904/mo (50% DSR)
Upfront cash ≈ HK$311K (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).