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$7,237
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,463
−HK$228/mo
Today · 4.125%
HK$7,691
baseline
▲ 0.50% · 4.625%
HK$8,159
+HK$468/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,382/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$8,052
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,268
−HK$219/mo
Today · 4.125%
HK$8,487
baseline
▲ 0.50% · 4.625%
HK$8,934
+HK$447/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,974/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$8,685
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,955
−HK$275/mo
Today · 4.125%
HK$9,230
baseline
▲ 0.50% · 4.625%
HK$9,791
+HK$561/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,460/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$9,662
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,921
−HK$263/mo
Today · 4.125%
HK$10,184
baseline
▲ 0.50% · 4.625%
HK$10,721
+HK$537/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,368/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$10,132
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,448
−HK$320/mo
Today · 4.125%
HK$10,768
baseline
▲ 0.50% · 4.625%
HK$11,423
+HK$655/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$21,536/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$11,272
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,575
−HK$306/mo
Today · 4.125%
HK$11,881
baseline
▲ 0.50% · 4.625%
HK$12,508
+HK$627/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$23,762/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$13,027
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,433
−HK$411/mo
Today · 4.125%
HK$13,844
baseline
▲ 0.50% · 4.625%
HK$14,687
+HK$843/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$27,688/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$14,493
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,882
−HK$394/mo
Today · 4.125%
HK$15,276
baseline
▲ 0.50% · 4.625%
HK$16,081
+HK$805/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$30,552/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).