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$7,260
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,485
−HK$230/mo
Today · 4.125%
HK$7,715
baseline
▲ 0.50% · 4.625%
HK$8,184
+HK$469/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,430/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$8,076
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,293
−HK$220/mo
Today · 4.125%
HK$8,513
baseline
▲ 0.50% · 4.625%
HK$8,961
+HK$448/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,026/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$8,712
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,983
−HK$275/mo
Today · 4.125%
HK$9,258
baseline
▲ 0.50% · 4.625%
HK$9,821
+HK$563/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,516/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$9,692
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,951
−HK$264/mo
Today · 4.125%
HK$10,215
baseline
▲ 0.50% · 4.625%
HK$10,754
+HK$539/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,430/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$10,163
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,480
−HK$321/mo
Today · 4.125%
HK$10,801
baseline
▲ 0.50% · 4.625%
HK$11,458
+HK$657/mo
Deposit HK$955K · loan HK$2.23M · min. income ≈ HK$21,602/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,307
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,610
−HK$308/mo
Today · 4.125%
HK$11,918
baseline
▲ 0.50% · 4.625%
HK$12,546
+HK$628/mo
Deposit HK$955K · loan HK$2.23M · min. income ≈ HK$23,836/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,067
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,474
−HK$413/mo
Today · 4.125%
HK$13,887
baseline
▲ 0.50% · 4.625%
HK$14,732
+HK$845/mo
Deposit HK$318K · loan HK$2.87M · min. income ≈ HK$27,774/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$14,537
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,927
−HK$396/mo
Today · 4.125%
HK$15,323
baseline
▲ 0.50% · 4.625%
HK$16,130
+HK$807/mo
Deposit HK$318K · loan HK$2.87M · min. income ≈ HK$30,646/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).