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$7,072
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,292
−HK$223/mo
Today · 4.125%
HK$7,515
baseline
▲ 0.50% · 4.625%
HK$7,972
+HK$457/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,030/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$7,867
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,078
−HK$214/mo
Today · 4.125%
HK$8,292
baseline
▲ 0.50% · 4.625%
HK$8,729
+HK$437/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,584/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$8,486
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,750
−HK$268/mo
Today · 4.125%
HK$9,018
baseline
▲ 0.50% · 4.625%
HK$9,567
+HK$549/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,036/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$511/mo
▼ 0.25% · 3.875%
HK$9,694
−HK$257/mo
Today · 4.125%
HK$9,951
baseline
▲ 0.50% · 4.625%
HK$10,475
+HK$524/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,902/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$9,900
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,208
−HK$313/mo
Today · 4.125%
HK$10,521
baseline
▲ 0.50% · 4.625%
HK$11,161
+HK$640/mo
Deposit HK$930K · loan HK$2.17M · min. income ≈ HK$21,042/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$11,014
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,309
−HK$300/mo
Today · 4.125%
HK$11,609
baseline
▲ 0.50% · 4.625%
HK$12,221
+HK$612/mo
Deposit HK$930K · loan HK$2.17M · min. income ≈ HK$23,218/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$12,729
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,125
−HK$402/mo
Today · 4.125%
HK$13,527
baseline
▲ 0.50% · 4.625%
HK$14,350
+HK$823/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,054/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$14,161
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,541
−HK$385/mo
Today · 4.125%
HK$14,926
baseline
▲ 0.50% · 4.625%
HK$15,713
+HK$787/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,852/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).