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$7,070
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,290
−HK$224/mo
Today · 4.125%
HK$7,514
baseline
▲ 0.50% · 4.625%
HK$7,971
+HK$457/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$7,865
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,076
−HK$214/mo
Today · 4.125%
HK$8,290
baseline
▲ 0.50% · 4.625%
HK$8,727
+HK$437/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,580/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$8,484
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,748
−HK$268/mo
Today · 4.125%
HK$9,016
baseline
▲ 0.50% · 4.625%
HK$9,565
+HK$549/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,032/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$9,439
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,692
−HK$257/mo
Today · 4.125%
HK$9,949
baseline
▲ 0.50% · 4.625%
HK$10,473
+HK$524/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,898/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$9,898
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,206
−HK$313/mo
Today · 4.125%
HK$10,519
baseline
▲ 0.50% · 4.625%
HK$11,159
+HK$640/mo
Deposit HK$930K · loan HK$2.17M · min. income ≈ HK$21,038/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$11,012
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,307
−HK$300/mo
Today · 4.125%
HK$11,607
baseline
▲ 0.50% · 4.625%
HK$12,218
+HK$611/mo
Deposit HK$930K · loan HK$2.17M · min. income ≈ HK$23,214/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$12,726
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,122
−HK$402/mo
Today · 4.125%
HK$13,524
baseline
▲ 0.50% · 4.625%
HK$14,347
+HK$823/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,048/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$14,158
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,538
−HK$385/mo
Today · 4.125%
HK$14,923
baseline
▲ 0.50% · 4.625%
HK$15,709
+HK$786/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,846/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).