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$7,253
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,478
−HK$230/mo
Today · 4.125%
HK$7,708
baseline
▲ 0.50% · 4.625%
HK$8,177
+HK$469/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,416/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$8,069
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,285
−HK$220/mo
Today · 4.125%
HK$8,505
baseline
▲ 0.50% · 4.625%
HK$8,953
+HK$448/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,010/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$8,703
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,974
−HK$275/mo
Today · 4.125%
HK$9,249
baseline
▲ 0.50% · 4.625%
HK$9,812
+HK$563/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,498/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$9,682
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,942
−HK$263/mo
Today · 4.125%
HK$10,205
baseline
▲ 0.50% · 4.625%
HK$10,743
+HK$538/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,410/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$10,154
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,470
−HK$321/mo
Today · 4.125%
HK$10,791
baseline
▲ 0.50% · 4.625%
HK$11,447
+HK$656/mo
Deposit HK$954K · loan HK$2.23M · min. income ≈ HK$21,582/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,296
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,599
−HK$307/mo
Today · 4.125%
HK$11,906
baseline
▲ 0.50% · 4.625%
HK$12,534
+HK$628/mo
Deposit HK$954K · loan HK$2.23M · min. income ≈ HK$23,812/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,055
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,461
−HK$413/mo
Today · 4.125%
HK$13,874
baseline
▲ 0.50% · 4.625%
HK$14,718
+HK$844/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$27,748/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$14,523
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,913
−HK$395/mo
Today · 4.125%
HK$15,308
baseline
▲ 0.50% · 4.625%
HK$16,115
+HK$807/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$30,616/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).