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$7,465
−HK$228/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$8,054
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,270
−HK$219/mo
Today · 4.125%
HK$8,489
baseline
▲ 0.50% · 4.625%
HK$8,936
+HK$447/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,978/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$9,794
+HK$562/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$523/mo
▼ 0.25% · 3.875%
HK$9,924
−HK$263/mo
Today · 4.125%
HK$10,187
baseline
▲ 0.50% · 4.625%
HK$10,723
+HK$536/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,374/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$636/mo
▼ 0.25% · 3.875%
HK$10,450
−HK$321/mo
Today · 4.125%
HK$10,771
baseline
▲ 0.50% · 4.625%
HK$11,426
+HK$655/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$21,542/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$11,275
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,578
−HK$306/mo
Today · 4.125%
HK$11,884
baseline
▲ 0.50% · 4.625%
HK$12,511
+HK$627/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$23,768/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$13,031
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,436
−HK$412/mo
Today · 4.125%
HK$13,848
baseline
▲ 0.50% · 4.625%
HK$14,691
+HK$843/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$27,696/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$14,497
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,885
−HK$395/mo
Today · 4.125%
HK$15,280
baseline
▲ 0.50% · 4.625%
HK$16,085
+HK$805/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$30,560/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).