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$7,246
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,471
−HK$229/mo
Today · 4.125%
HK$7,700
baseline
▲ 0.50% · 4.625%
HK$8,168
+HK$468/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,400/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,061
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,277
−HK$219/mo
Today · 4.125%
HK$8,496
baseline
▲ 0.50% · 4.625%
HK$8,944
+HK$448/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,992/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,695
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,965
−HK$275/mo
Today · 4.125%
HK$9,240
baseline
▲ 0.50% · 4.625%
HK$9,802
+HK$562/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,480/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,673
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,932
−HK$263/mo
Today · 4.125%
HK$10,195
baseline
▲ 0.50% · 4.625%
HK$10,733
+HK$538/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,390/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,144
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,459
−HK$321/mo
Today · 4.125%
HK$10,780
baseline
▲ 0.50% · 4.625%
HK$11,436
+HK$656/mo
Deposit HK$953K · loan HK$2.22M · min. income ≈ HK$21,560/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,285
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,587
−HK$307/mo
Today · 4.125%
HK$11,894
baseline
▲ 0.50% · 4.625%
HK$12,521
+HK$627/mo
Deposit HK$953K · loan HK$2.22M · min. income ≈ HK$23,788/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,042
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,448
−HK$412/mo
Today · 4.125%
HK$13,860
baseline
▲ 0.50% · 4.625%
HK$14,703
+HK$843/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$27,720/mo (50% DSR)
Upfront cash ≈ HK$318K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,509
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,898
−HK$395/mo
Today · 4.125%
HK$15,293
baseline
▲ 0.50% · 4.625%
HK$16,099
+HK$806/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$30,586/mo (50% DSR)
Upfront cash ≈ HK$318K (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).