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$7,231
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,456
−HK$228/mo
Today · 4.125%
HK$7,684
baseline
▲ 0.50% · 4.625%
HK$8,152
+HK$468/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,368/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$8,044
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,260
−HK$219/mo
Today · 4.125%
HK$8,479
baseline
▲ 0.50% · 4.625%
HK$8,926
+HK$447/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,958/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$8,677
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,947
−HK$274/mo
Today · 4.125%
HK$9,221
baseline
▲ 0.50% · 4.625%
HK$9,782
+HK$561/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,442/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$9,653
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,912
−HK$262/mo
Today · 4.125%
HK$10,174
baseline
▲ 0.50% · 4.625%
HK$10,711
+HK$537/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,348/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$10,123
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,438
−HK$320/mo
Today · 4.125%
HK$10,758
baseline
▲ 0.50% · 4.625%
HK$11,412
+HK$654/mo
Deposit HK$951K · loan HK$2.22M · min. income ≈ HK$21,516/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$11,262
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,564
−HK$306/mo
Today · 4.125%
HK$11,870
baseline
▲ 0.50% · 4.625%
HK$12,496
+HK$626/mo
Deposit HK$951K · loan HK$2.22M · min. income ≈ HK$23,740/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$13,015
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,420
−HK$411/mo
Today · 4.125%
HK$13,831
baseline
▲ 0.50% · 4.625%
HK$14,673
+HK$842/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$27,662/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$14,479
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,868
−HK$394/mo
Today · 4.125%
HK$15,262
baseline
▲ 0.50% · 4.625%
HK$16,066
+HK$804/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$30,524/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).