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$7,230
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,455
−HK$229/mo
Today · 4.125%
HK$7,684
baseline
▲ 0.50% · 4.625%
HK$8,151
+HK$467/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,368/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$8,044
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,259
−HK$219/mo
Today · 4.125%
HK$8,478
baseline
▲ 0.50% · 4.625%
HK$8,925
+HK$447/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,956/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$8,676
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,946
−HK$274/mo
Today · 4.125%
HK$9,220
baseline
▲ 0.50% · 4.625%
HK$9,781
+HK$561/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,440/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$9,652
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,911
−HK$263/mo
Today · 4.125%
HK$10,174
baseline
▲ 0.50% · 4.625%
HK$10,710
+HK$536/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,348/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$10,122
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,437
−HK$320/mo
Today · 4.125%
HK$10,757
baseline
▲ 0.50% · 4.625%
HK$11,412
+HK$655/mo
Deposit HK$951K · loan HK$2.22M · min. income ≈ HK$21,514/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,261
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,563
−HK$306/mo
Today · 4.125%
HK$11,869
baseline
▲ 0.50% · 4.625%
HK$12,495
+HK$626/mo
Deposit HK$951K · loan HK$2.22M · min. income ≈ HK$23,738/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,014
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,419
−HK$411/mo
Today · 4.125%
HK$13,830
baseline
▲ 0.50% · 4.625%
HK$14,672
+HK$842/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$27,660/mo (50% DSR)
Upfront cash ≈ HK$317K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,478
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,867
−HK$394/mo
Today · 4.125%
HK$15,261
baseline
▲ 0.50% · 4.625%
HK$16,065
+HK$804/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$30,522/mo (50% DSR)
Upfront cash ≈ HK$317K (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).