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$7,229
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,453
−HK$229/mo
Today · 4.125%
HK$7,682
baseline
▲ 0.50% · 4.625%
HK$8,149
+HK$467/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,364/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$8,042
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,257
−HK$219/mo
Today · 4.125%
HK$8,476
baseline
▲ 0.50% · 4.625%
HK$8,923
+HK$447/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,952/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$8,674
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,944
−HK$274/mo
Today · 4.125%
HK$9,218
baseline
▲ 0.50% · 4.625%
HK$9,779
+HK$561/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,436/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$9,650
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,909
−HK$262/mo
Today · 4.125%
HK$10,171
baseline
▲ 0.50% · 4.625%
HK$10,708
+HK$537/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,342/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$10,120
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,435
−HK$320/mo
Today · 4.125%
HK$10,755
baseline
▲ 0.50% · 4.625%
HK$11,409
+HK$654/mo
Deposit HK$951K · loan HK$2.22M · min. income ≈ HK$21,510/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,258
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,560
−HK$307/mo
Today · 4.125%
HK$11,867
baseline
▲ 0.50% · 4.625%
HK$12,492
+HK$625/mo
Deposit HK$951K · loan HK$2.22M · min. income ≈ HK$23,734/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,011
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,416
−HK$411/mo
Today · 4.125%
HK$13,827
baseline
▲ 0.50% · 4.625%
HK$14,669
+HK$842/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$27,654/mo (50% DSR)
Upfront cash ≈ HK$317K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,475
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,863
−HK$394/mo
Today · 4.125%
HK$15,257
baseline
▲ 0.50% · 4.625%
HK$16,061
+HK$804/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$30,514/mo (50% DSR)
Upfront cash ≈ HK$317K (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).