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$7,059
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,279
−HK$223/mo
Today · 4.125%
HK$7,502
baseline
▲ 0.50% · 4.625%
HK$7,958
+HK$456/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,004/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$7,853
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,064
−HK$214/mo
Today · 4.125%
HK$8,278
baseline
▲ 0.50% · 4.625%
HK$8,714
+HK$436/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,556/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$8,471
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,735
−HK$267/mo
Today · 4.125%
HK$9,002
baseline
▲ 0.50% · 4.625%
HK$9,550
+HK$548/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,004/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$9,424
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,677
−HK$256/mo
Today · 4.125%
HK$9,933
baseline
▲ 0.50% · 4.625%
HK$10,457
+HK$524/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,866/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$9,883
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,190
−HK$313/mo
Today · 4.125%
HK$10,503
baseline
▲ 0.50% · 4.625%
HK$11,142
+HK$639/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$21,006/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$10,995
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,290
−HK$299/mo
Today · 4.125%
HK$11,589
baseline
▲ 0.50% · 4.625%
HK$12,200
+HK$611/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$23,178/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$12,707
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,102
−HK$402/mo
Today · 4.125%
HK$13,504
baseline
▲ 0.50% · 4.625%
HK$14,325
+HK$821/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,008/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$14,136
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,515
−HK$385/mo
Today · 4.125%
HK$14,900
baseline
▲ 0.50% · 4.625%
HK$15,685
+HK$785/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,800/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).