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$7,272
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,498
−HK$230/mo
Today · 4.125%
HK$7,728
baseline
▲ 0.50% · 4.625%
HK$8,198
+HK$470/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,456/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$8,090
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,307
−HK$220/mo
Today · 4.125%
HK$8,527
baseline
▲ 0.50% · 4.625%
HK$8,977
+HK$450/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,054/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$8,726
−HK$548/mo
▼ 0.25% · 3.875%
HK$8,998
−HK$276/mo
Today · 4.125%
HK$9,274
baseline
▲ 0.50% · 4.625%
HK$9,838
+HK$564/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$18,548/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$9,708
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,968
−HK$265/mo
Today · 4.125%
HK$10,233
baseline
▲ 0.50% · 4.625%
HK$10,772
+HK$539/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$20,466/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$10,181
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,497
−HK$322/mo
Today · 4.125%
HK$10,819
baseline
▲ 0.50% · 4.625%
HK$11,478
+HK$659/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$21,638/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$11,326
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,630
−HK$308/mo
Today · 4.125%
HK$11,938
baseline
▲ 0.50% · 4.625%
HK$12,567
+HK$629/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$23,876/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$13,090
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,497
−HK$413/mo
Today · 4.125%
HK$13,910
baseline
▲ 0.50% · 4.625%
HK$14,757
+HK$847/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,820/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$14,562
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,953
−HK$396/mo
Today · 4.125%
HK$15,349
baseline
▲ 0.50% · 4.625%
HK$16,158
+HK$809/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,698/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).