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$7,234
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,459
−HK$228/mo
Today · 4.125%
HK$7,687
baseline
▲ 0.50% · 4.625%
HK$8,155
+HK$468/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,374/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$8,047
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,263
−HK$219/mo
Today · 4.125%
HK$8,482
baseline
▲ 0.50% · 4.625%
HK$8,929
+HK$447/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,964/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$8,680
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,950
−HK$275/mo
Today · 4.125%
HK$9,225
baseline
▲ 0.50% · 4.625%
HK$9,786
+HK$561/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,450/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$9,657
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,916
−HK$263/mo
Today · 4.125%
HK$10,179
baseline
▲ 0.50% · 4.625%
HK$10,715
+HK$536/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,358/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$10,127
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,442
−HK$320/mo
Today · 4.125%
HK$10,762
baseline
▲ 0.50% · 4.625%
HK$11,417
+HK$655/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$21,524/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$11,266
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,568
−HK$307/mo
Today · 4.125%
HK$11,875
baseline
▲ 0.50% · 4.625%
HK$12,501
+HK$626/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$23,750/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$13,021
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,426
−HK$411/mo
Today · 4.125%
HK$13,837
baseline
▲ 0.50% · 4.625%
HK$14,679
+HK$842/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$27,674/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$14,485
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,874
−HK$394/mo
Today · 4.125%
HK$15,268
baseline
▲ 0.50% · 4.625%
HK$16,073
+HK$805/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$30,536/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).