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$7,481
−HK$229/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$8,288
−HK$219/mo
Today · 4.125%
HK$8,507
baseline
▲ 0.50% · 4.625%
HK$8,956
+HK$449/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$546/mo
▼ 0.25% · 3.875%
HK$8,977
−HK$275/mo
Today · 4.125%
HK$9,252
baseline
▲ 0.50% · 4.625%
HK$9,815
+HK$563/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,504/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$524/mo
▼ 0.25% · 3.875%
HK$9,945
−HK$264/mo
Today · 4.125%
HK$10,209
baseline
▲ 0.50% · 4.625%
HK$10,747
+HK$538/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,418/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$637/mo
▼ 0.25% · 3.875%
HK$10,473
−HK$321/mo
Today · 4.125%
HK$10,794
baseline
▲ 0.50% · 4.625%
HK$11,451
+HK$657/mo
Deposit HK$954K · loan HK$2.23M · min. income ≈ HK$21,588/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$611/mo
▼ 0.25% · 3.875%
HK$11,603
−HK$307/mo
Today · 4.125%
HK$11,910
baseline
▲ 0.50% · 4.625%
HK$12,538
+HK$628/mo
Deposit HK$954K · loan HK$2.23M · min. income ≈ HK$23,820/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$13,059
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,465
−HK$413/mo
Today · 4.125%
HK$13,878
baseline
▲ 0.50% · 4.625%
HK$14,722
+HK$844/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$27,756/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$14,528
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,918
−HK$395/mo
Today · 4.125%
HK$15,313
baseline
▲ 0.50% · 4.625%
HK$16,120
+HK$807/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$30,626/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).