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$7,244
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,469
−HK$229/mo
Today · 4.125%
HK$7,698
baseline
▲ 0.50% · 4.625%
HK$8,167
+HK$469/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,396/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$8,059
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,275
−HK$219/mo
Today · 4.125%
HK$8,494
baseline
▲ 0.50% · 4.625%
HK$8,942
+HK$448/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,988/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$8,693
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,963
−HK$275/mo
Today · 4.125%
HK$9,238
baseline
▲ 0.50% · 4.625%
HK$9,800
+HK$562/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,476/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$9,671
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,930
−HK$263/mo
Today · 4.125%
HK$10,193
baseline
▲ 0.50% · 4.625%
HK$10,730
+HK$537/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,386/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$10,142
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,457
−HK$320/mo
Today · 4.125%
HK$10,777
baseline
▲ 0.50% · 4.625%
HK$11,433
+HK$656/mo
Deposit HK$953K · loan HK$2.22M · min. income ≈ HK$21,554/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,282
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,585
−HK$307/mo
Today · 4.125%
HK$11,892
baseline
▲ 0.50% · 4.625%
HK$12,519
+HK$627/mo
Deposit HK$953K · loan HK$2.22M · min. income ≈ HK$23,784/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,039
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,445
−HK$412/mo
Today · 4.125%
HK$13,857
baseline
▲ 0.50% · 4.625%
HK$14,700
+HK$843/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$27,714/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$14,506
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,895
−HK$395/mo
Today · 4.125%
HK$15,290
baseline
▲ 0.50% · 4.625%
HK$16,095
+HK$805/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$30,580/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).