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$7,058
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,277
−HK$223/mo
Today · 4.125%
HK$7,500
baseline
▲ 0.50% · 4.625%
HK$7,957
+HK$457/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,000/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$7,852
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,062
−HK$214/mo
Today · 4.125%
HK$8,276
baseline
▲ 0.50% · 4.625%
HK$8,712
+HK$436/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,552/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$8,469
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,733
−HK$267/mo
Today · 4.125%
HK$9,000
baseline
▲ 0.50% · 4.625%
HK$9,548
+HK$548/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,000/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$9,422
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,675
−HK$256/mo
Today · 4.125%
HK$9,931
baseline
▲ 0.50% · 4.625%
HK$10,455
+HK$524/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,862/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$9,881
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,188
−HK$313/mo
Today · 4.125%
HK$10,501
baseline
▲ 0.50% · 4.625%
HK$11,140
+HK$639/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$21,002/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,992
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,287
−HK$299/mo
Today · 4.125%
HK$11,586
baseline
▲ 0.50% · 4.625%
HK$12,197
+HK$611/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$23,172/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,704
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,099
−HK$402/mo
Today · 4.125%
HK$13,501
baseline
▲ 0.50% · 4.625%
HK$14,322
+HK$821/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,002/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$14,133
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,512
−HK$385/mo
Today · 4.125%
HK$14,897
baseline
▲ 0.50% · 4.625%
HK$15,682
+HK$785/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,794/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).