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$7,247
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,473
−HK$229/mo
Today · 4.125%
HK$7,702
baseline
▲ 0.50% · 4.625%
HK$8,171
+HK$469/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,404/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$8,063
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,279
−HK$219/mo
Today · 4.125%
HK$8,498
baseline
▲ 0.50% · 4.625%
HK$8,946
+HK$448/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,996/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$8,697
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,967
−HK$275/mo
Today · 4.125%
HK$9,242
baseline
▲ 0.50% · 4.625%
HK$9,805
+HK$563/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,484/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$9,675
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,935
−HK$263/mo
Today · 4.125%
HK$10,198
baseline
▲ 0.50% · 4.625%
HK$10,736
+HK$538/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,396/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$10,146
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,462
−HK$321/mo
Today · 4.125%
HK$10,783
baseline
▲ 0.50% · 4.625%
HK$11,439
+HK$656/mo
Deposit HK$954K · loan HK$2.22M · min. income ≈ HK$21,566/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$11,288
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,591
−HK$307/mo
Today · 4.125%
HK$11,898
baseline
▲ 0.50% · 4.625%
HK$12,525
+HK$627/mo
Deposit HK$954K · loan HK$2.22M · min. income ≈ HK$23,796/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$13,045
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,451
−HK$412/mo
Today · 4.125%
HK$13,863
baseline
▲ 0.50% · 4.625%
HK$14,707
+HK$844/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$27,726/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$14,513
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,902
−HK$395/mo
Today · 4.125%
HK$15,297
baseline
▲ 0.50% · 4.625%
HK$16,103
+HK$806/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$30,594/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).