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$7,237
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,462
−HK$228/mo
Today · 4.125%
HK$7,690
baseline
▲ 0.50% · 4.625%
HK$8,158
+HK$468/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,380/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$8,051
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,267
−HK$219/mo
Today · 4.125%
HK$8,486
baseline
▲ 0.50% · 4.625%
HK$8,933
+HK$447/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,972/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$8,684
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,954
−HK$275/mo
Today · 4.125%
HK$9,229
baseline
▲ 0.50% · 4.625%
HK$9,790
+HK$561/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,458/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$9,661
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,920
−HK$263/mo
Today · 4.125%
HK$10,183
baseline
▲ 0.50% · 4.625%
HK$10,720
+HK$537/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,366/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$10,131
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,447
−HK$320/mo
Today · 4.125%
HK$10,767
baseline
▲ 0.50% · 4.625%
HK$11,422
+HK$655/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$21,534/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,271
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,573
−HK$307/mo
Today · 4.125%
HK$11,880
baseline
▲ 0.50% · 4.625%
HK$12,506
+HK$626/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$23,760/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,026
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,431
−HK$412/mo
Today · 4.125%
HK$13,843
baseline
▲ 0.50% · 4.625%
HK$14,685
+HK$842/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$27,686/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$14,491
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,880
−HK$394/mo
Today · 4.125%
HK$15,274
baseline
▲ 0.50% · 4.625%
HK$16,079
+HK$805/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$30,548/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).