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$7,250
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,475
−HK$229/mo
Today · 4.125%
HK$7,704
baseline
▲ 0.50% · 4.625%
HK$8,173
+HK$469/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,408/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$8,065
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,282
−HK$219/mo
Today · 4.125%
HK$8,501
baseline
▲ 0.50% · 4.625%
HK$8,949
+HK$448/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,002/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$8,700
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,970
−HK$275/mo
Today · 4.125%
HK$9,245
baseline
▲ 0.50% · 4.625%
HK$9,808
+HK$563/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,490/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$9,678
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,938
−HK$263/mo
Today · 4.125%
HK$10,201
baseline
▲ 0.50% · 4.625%
HK$10,739
+HK$538/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,402/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$10,150
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,465
−HK$321/mo
Today · 4.125%
HK$10,786
baseline
▲ 0.50% · 4.625%
HK$11,443
+HK$657/mo
Deposit HK$954K · loan HK$2.23M · min. income ≈ HK$21,572/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$11,292
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,594
−HK$308/mo
Today · 4.125%
HK$11,902
baseline
▲ 0.50% · 4.625%
HK$12,529
+HK$627/mo
Deposit HK$954K · loan HK$2.23M · min. income ≈ HK$23,804/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$13,050
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,456
−HK$412/mo
Today · 4.125%
HK$13,868
baseline
▲ 0.50% · 4.625%
HK$14,712
+HK$844/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$27,736/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$14,518
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,907
−HK$395/mo
Today · 4.125%
HK$15,302
baseline
▲ 0.50% · 4.625%
HK$16,109
+HK$807/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$30,604/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).