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$7,270
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,496
−HK$230/mo
Today · 4.125%
HK$7,726
baseline
▲ 0.50% · 4.625%
HK$8,196
+HK$470/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,452/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$8,088
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,305
−HK$220/mo
Today · 4.125%
HK$8,525
baseline
▲ 0.50% · 4.625%
HK$8,975
+HK$450/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,050/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$8,724
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,996
−HK$275/mo
Today · 4.125%
HK$9,271
baseline
▲ 0.50% · 4.625%
HK$9,836
+HK$565/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$18,542/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$524/mo
▼ 0.25% · 3.875%
HK$9,966
−HK$264/mo
Today · 4.125%
HK$10,230
baseline
▲ 0.50% · 4.625%
HK$10,769
+HK$539/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$20,460/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$10,178
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,495
−HK$322/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$11,323
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,627
−HK$308/mo
Today · 4.125%
HK$11,935
baseline
▲ 0.50% · 4.625%
HK$12,564
+HK$629/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$23,870/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$820/mo
▼ 0.25% · 3.875%
HK$13,494
−HK$413/mo
Today · 4.125%
HK$13,907
baseline
▲ 0.50% · 4.625%
HK$14,753
+HK$846/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,814/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$786/mo
▼ 0.25% · 3.875%
HK$14,949
−HK$396/mo
Today · 4.125%
HK$15,345
baseline
▲ 0.50% · 4.625%
HK$16,154
+HK$809/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,690/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).