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$7,255
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,480
−HK$230/mo
Today · 4.125%
HK$7,710
baseline
▲ 0.50% · 4.625%
HK$8,179
+HK$469/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,420/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$8,071
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,287
−HK$220/mo
Today · 4.125%
HK$8,507
baseline
▲ 0.50% · 4.625%
HK$8,955
+HK$448/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,014/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$8,706
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,976
−HK$275/mo
Today · 4.125%
HK$9,251
baseline
▲ 0.50% · 4.625%
HK$9,814
+HK$563/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,502/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$9,685
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,945
−HK$263/mo
Today · 4.125%
HK$10,208
baseline
▲ 0.50% · 4.625%
HK$10,746
+HK$538/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,416/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$10,157
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,472
−HK$321/mo
Today · 4.125%
HK$10,793
baseline
▲ 0.50% · 4.625%
HK$11,450
+HK$657/mo
Deposit HK$954K · loan HK$2.23M · min. income ≈ HK$21,586/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$11,299
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,602
−HK$307/mo
Today · 4.125%
HK$11,909
baseline
▲ 0.50% · 4.625%
HK$12,537
+HK$628/mo
Deposit HK$954K · loan HK$2.23M · min. income ≈ HK$23,818/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$13,058
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,465
−HK$412/mo
Today · 4.125%
HK$13,877
baseline
▲ 0.50% · 4.625%
HK$14,722
+HK$845/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$27,754/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$14,527
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,917
−HK$395/mo
Today · 4.125%
HK$15,312
baseline
▲ 0.50% · 4.625%
HK$16,119
+HK$807/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$30,624/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).