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$7,261
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,487
−HK$230/mo
Today · 4.125%
HK$7,717
baseline
▲ 0.50% · 4.625%
HK$8,186
+HK$469/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,434/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$8,078
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,295
−HK$219/mo
Today · 4.125%
HK$8,514
baseline
▲ 0.50% · 4.625%
HK$8,963
+HK$449/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,028/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$8,713
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,984
−HK$276/mo
Today · 4.125%
HK$9,260
baseline
▲ 0.50% · 4.625%
HK$9,823
+HK$563/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,520/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$9,694
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,954
−HK$263/mo
Today · 4.125%
HK$10,217
baseline
▲ 0.50% · 4.625%
HK$10,756
+HK$539/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,434/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$10,166
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,482
−HK$321/mo
Today · 4.125%
HK$10,803
baseline
▲ 0.50% · 4.625%
HK$11,461
+HK$658/mo
Deposit HK$955K · loan HK$2.23M · min. income ≈ HK$21,606/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,309
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,613
−HK$307/mo
Today · 4.125%
HK$11,920
baseline
▲ 0.50% · 4.625%
HK$12,549
+HK$629/mo
Deposit HK$955K · loan HK$2.23M · min. income ≈ HK$23,840/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,070
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,477
−HK$413/mo
Today · 4.125%
HK$13,890
baseline
▲ 0.50% · 4.625%
HK$14,735
+HK$845/mo
Deposit HK$318K · loan HK$2.87M · min. income ≈ HK$27,780/mo (50% DSR)
Upfront cash ≈ HK$319K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,540
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,930
−HK$396/mo
Today · 4.125%
HK$15,326
baseline
▲ 0.50% · 4.625%
HK$16,134
+HK$808/mo
Deposit HK$318K · loan HK$2.87M · min. income ≈ HK$30,652/mo (50% DSR)
Upfront cash ≈ HK$319K (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).