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$454/mo
▼ 0.25% · 3.875%
HK$7,456
−HK$229/mo
Today · 4.125%
HK$7,685
baseline
▲ 0.50% · 4.625%
HK$8,152
+HK$467/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,370/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$8,045
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,261
−HK$219/mo
Today · 4.125%
HK$8,480
baseline
▲ 0.50% · 4.625%
HK$8,926
+HK$446/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,960/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$8,678
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,948
−HK$274/mo
Today · 4.125%
HK$9,222
baseline
▲ 0.50% · 4.625%
HK$9,783
+HK$561/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,444/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$9,654
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,913
−HK$262/mo
Today · 4.125%
HK$10,175
baseline
▲ 0.50% · 4.625%
HK$10,712
+HK$537/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,350/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$10,124
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,439
−HK$320/mo
Today · 4.125%
HK$10,759
baseline
▲ 0.50% · 4.625%
HK$11,413
+HK$654/mo
Deposit HK$951K · loan HK$2.22M · min. income ≈ HK$21,518/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$11,263
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,565
−HK$306/mo
Today · 4.125%
HK$11,871
baseline
▲ 0.50% · 4.625%
HK$12,497
+HK$626/mo
Deposit HK$951K · loan HK$2.22M · min. income ≈ HK$23,742/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$13,017
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,421
−HK$412/mo
Today · 4.125%
HK$13,833
baseline
▲ 0.50% · 4.625%
HK$14,674
+HK$841/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$27,666/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$14,481
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,869
−HK$394/mo
Today · 4.125%
HK$15,263
baseline
▲ 0.50% · 4.625%
HK$16,068
+HK$805/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$30,526/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).