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$7,259
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,484
−HK$230/mo
Today · 4.125%
HK$7,714
baseline
▲ 0.50% · 4.625%
HK$8,183
+HK$469/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,428/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$8,075
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,292
−HK$219/mo
Today · 4.125%
HK$8,511
baseline
▲ 0.50% · 4.625%
HK$8,960
+HK$449/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,022/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$8,710
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,981
−HK$276/mo
Today · 4.125%
HK$9,257
baseline
▲ 0.50% · 4.625%
HK$9,820
+HK$563/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,514/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$9,690
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,950
−HK$264/mo
Today · 4.125%
HK$10,214
baseline
▲ 0.50% · 4.625%
HK$10,752
+HK$538/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,428/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$10,162
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,478
−HK$321/mo
Today · 4.125%
HK$10,799
baseline
▲ 0.50% · 4.625%
HK$11,457
+HK$658/mo
Deposit HK$955K · loan HK$2.23M · min. income ≈ HK$21,598/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$11,305
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,608
−HK$308/mo
Today · 4.125%
HK$11,916
baseline
▲ 0.50% · 4.625%
HK$12,544
+HK$628/mo
Deposit HK$955K · loan HK$2.23M · min. income ≈ HK$23,832/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$13,066
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,472
−HK$413/mo
Today · 4.125%
HK$13,885
baseline
▲ 0.50% · 4.625%
HK$14,730
+HK$845/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$27,770/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$14,535
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,925
−HK$396/mo
Today · 4.125%
HK$15,321
baseline
▲ 0.50% · 4.625%
HK$16,128
+HK$807/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$30,642/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).