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$7,271
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,497
−HK$230/mo
Today · 4.125%
HK$7,727
baseline
▲ 0.50% · 4.625%
HK$8,197
+HK$470/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,454/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$8,089
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,305
−HK$221/mo
Today · 4.125%
HK$8,526
baseline
▲ 0.50% · 4.625%
HK$8,975
+HK$449/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,052/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$8,725
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,996
−HK$276/mo
Today · 4.125%
HK$9,272
baseline
▲ 0.50% · 4.625%
HK$9,836
+HK$564/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$18,544/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,706
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,967
−HK$264/mo
Today · 4.125%
HK$10,231
baseline
▲ 0.50% · 4.625%
HK$10,770
+HK$539/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$20,462/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,179
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,496
−HK$321/mo
Today · 4.125%
HK$10,817
baseline
▲ 0.50% · 4.625%
HK$11,475
+HK$658/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$21,634/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,324
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,628
−HK$308/mo
Today · 4.125%
HK$11,936
baseline
▲ 0.50% · 4.625%
HK$12,565
+HK$629/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$23,872/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,087
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,494
−HK$414/mo
Today · 4.125%
HK$13,908
baseline
▲ 0.50% · 4.625%
HK$14,754
+HK$846/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,816/mo (50% DSR)
Upfront cash ≈ HK$319K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,559
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,950
−HK$396/mo
Today · 4.125%
HK$15,346
baseline
▲ 0.50% · 4.625%
HK$16,155
+HK$809/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,692/mo (50% DSR)
Upfront cash ≈ HK$319K (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).