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$455/mo
▼ 0.25% · 3.875%
HK$7,472
−HK$229/mo
Today · 4.125%
HK$7,701
baseline
▲ 0.50% · 4.625%
HK$8,169
+HK$468/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,402/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$436/mo
▼ 0.25% · 3.875%
HK$8,278
−HK$219/mo
Today · 4.125%
HK$8,497
baseline
▲ 0.50% · 4.625%
HK$8,945
+HK$448/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,994/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$8,696
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,966
−HK$275/mo
Today · 4.125%
HK$9,241
baseline
▲ 0.50% · 4.625%
HK$9,803
+HK$562/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,482/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$9,674
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,933
−HK$263/mo
Today · 4.125%
HK$10,196
baseline
▲ 0.50% · 4.625%
HK$10,734
+HK$538/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,392/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$10,145
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,460
−HK$321/mo
Today · 4.125%
HK$10,781
baseline
▲ 0.50% · 4.625%
HK$11,437
+HK$656/mo
Deposit HK$953K · loan HK$2.22M · min. income ≈ HK$21,562/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$11,286
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,589
−HK$307/mo
Today · 4.125%
HK$11,896
baseline
▲ 0.50% · 4.625%
HK$12,523
+HK$627/mo
Deposit HK$953K · loan HK$2.22M · min. income ≈ HK$23,792/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$13,043
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,449
−HK$412/mo
Today · 4.125%
HK$13,861
baseline
▲ 0.50% · 4.625%
HK$14,705
+HK$844/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$27,722/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$14,510
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,900
−HK$394/mo
Today · 4.125%
HK$15,294
baseline
▲ 0.50% · 4.625%
HK$16,101
+HK$807/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$30,588/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).