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$7,071
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,291
−HK$223/mo
Today · 4.125%
HK$7,514
baseline
▲ 0.50% · 4.625%
HK$7,972
+HK$458/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,028/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$7,866
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,077
−HK$214/mo
Today · 4.125%
HK$8,291
baseline
▲ 0.50% · 4.625%
HK$8,729
+HK$438/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,582/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$8,485
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,749
−HK$268/mo
Today · 4.125%
HK$9,017
baseline
▲ 0.50% · 4.625%
HK$9,566
+HK$549/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,034/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$9,440
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,693
−HK$257/mo
Today · 4.125%
HK$9,950
baseline
▲ 0.50% · 4.625%
HK$10,474
+HK$524/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,900/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$9,899
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,207
−HK$313/mo
Today · 4.125%
HK$10,520
baseline
▲ 0.50% · 4.625%
HK$11,160
+HK$640/mo
Deposit HK$930K · loan HK$2.17M · min. income ≈ HK$21,040/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,013
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,308
−HK$300/mo
Today · 4.125%
HK$11,608
baseline
▲ 0.50% · 4.625%
HK$12,220
+HK$612/mo
Deposit HK$930K · loan HK$2.17M · min. income ≈ HK$23,216/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,728
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,124
−HK$402/mo
Today · 4.125%
HK$13,526
baseline
▲ 0.50% · 4.625%
HK$14,349
+HK$823/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,052/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$14,160
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,539
−HK$386/mo
Today · 4.125%
HK$14,925
baseline
▲ 0.50% · 4.625%
HK$15,711
+HK$786/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,850/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).