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$7,254
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,480
−HK$229/mo
Today · 4.125%
HK$7,709
baseline
▲ 0.50% · 4.625%
HK$8,178
+HK$469/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,418/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$8,070
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,286
−HK$220/mo
Today · 4.125%
HK$8,506
baseline
▲ 0.50% · 4.625%
HK$8,954
+HK$448/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,012/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$8,705
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,975
−HK$276/mo
Today · 4.125%
HK$9,251
baseline
▲ 0.50% · 4.625%
HK$9,813
+HK$562/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,502/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$9,684
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,944
−HK$263/mo
Today · 4.125%
HK$10,207
baseline
▲ 0.50% · 4.625%
HK$10,745
+HK$538/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,414/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$10,155
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,471
−HK$321/mo
Today · 4.125%
HK$10,792
baseline
▲ 0.50% · 4.625%
HK$11,449
+HK$657/mo
Deposit HK$954K · loan HK$2.23M · min. income ≈ HK$21,584/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,298
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,601
−HK$307/mo
Today · 4.125%
HK$11,908
baseline
▲ 0.50% · 4.625%
HK$12,536
+HK$628/mo
Deposit HK$954K · loan HK$2.23M · min. income ≈ HK$23,816/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,057
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,463
−HK$413/mo
Today · 4.125%
HK$13,876
baseline
▲ 0.50% · 4.625%
HK$14,720
+HK$844/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$27,752/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$14,526
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,915
−HK$396/mo
Today · 4.125%
HK$15,311
baseline
▲ 0.50% · 4.625%
HK$16,118
+HK$807/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$30,622/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).