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$7,239
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,464
−HK$229/mo
Today · 4.125%
HK$7,693
baseline
▲ 0.50% · 4.625%
HK$8,161
+HK$468/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,386/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$8,053
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,269
−HK$219/mo
Today · 4.125%
HK$8,488
baseline
▲ 0.50% · 4.625%
HK$8,936
+HK$448/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,976/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$8,687
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,957
−HK$275/mo
Today · 4.125%
HK$9,232
baseline
▲ 0.50% · 4.625%
HK$9,793
+HK$561/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,464/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$9,664
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,923
−HK$263/mo
Today · 4.125%
HK$10,186
baseline
▲ 0.50% · 4.625%
HK$10,723
+HK$537/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,372/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$10,135
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,450
−HK$320/mo
Today · 4.125%
HK$10,770
baseline
▲ 0.50% · 4.625%
HK$11,426
+HK$656/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$21,540/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,275
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,577
−HK$307/mo
Today · 4.125%
HK$11,884
baseline
▲ 0.50% · 4.625%
HK$12,510
+HK$626/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$23,768/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,030
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,436
−HK$411/mo
Today · 4.125%
HK$13,847
baseline
▲ 0.50% · 4.625%
HK$14,690
+HK$843/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$27,694/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$14,496
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,885
−HK$394/mo
Today · 4.125%
HK$15,279
baseline
▲ 0.50% · 4.625%
HK$16,085
+HK$806/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$30,558/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).