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$7,085
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,305
−HK$224/mo
Today · 4.125%
HK$7,529
baseline
▲ 0.50% · 4.625%
HK$7,987
+HK$458/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,058/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$7,882
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,093
−HK$215/mo
Today · 4.125%
HK$8,308
baseline
▲ 0.50% · 4.625%
HK$8,746
+HK$438/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,616/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$8,502
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,767
−HK$268/mo
Today · 4.125%
HK$9,035
baseline
▲ 0.50% · 4.625%
HK$9,585
+HK$550/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,070/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$9,458
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,712
−HK$257/mo
Today · 4.125%
HK$9,969
baseline
▲ 0.50% · 4.625%
HK$10,495
+HK$526/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,938/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$9,919
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,228
−HK$313/mo
Today · 4.125%
HK$10,541
baseline
▲ 0.50% · 4.625%
HK$11,182
+HK$641/mo
Deposit HK$932K · loan HK$2.17M · min. income ≈ HK$21,082/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$11,035
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,331
−HK$300/mo
Today · 4.125%
HK$11,631
baseline
▲ 0.50% · 4.625%
HK$12,244
+HK$613/mo
Deposit HK$932K · loan HK$2.17M · min. income ≈ HK$23,262/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$12,753
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,150
−HK$403/mo
Today · 4.125%
HK$13,553
baseline
▲ 0.50% · 4.625%
HK$14,377
+HK$824/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,106/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$14,188
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,568
−HK$386/mo
Today · 4.125%
HK$14,954
baseline
▲ 0.50% · 4.625%
HK$15,742
+HK$788/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,908/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).