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$7,273
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,499
−HK$230/mo
Today · 4.125%
HK$7,729
baseline
▲ 0.50% · 4.625%
HK$8,200
+HK$471/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,458/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$8,091
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,308
−HK$220/mo
Today · 4.125%
HK$8,528
baseline
▲ 0.50% · 4.625%
HK$8,978
+HK$450/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,056/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$8,728
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,999
−HK$276/mo
Today · 4.125%
HK$9,275
baseline
▲ 0.50% · 4.625%
HK$9,839
+HK$564/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$18,550/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$9,710
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,970
−HK$264/mo
Today · 4.125%
HK$10,234
baseline
▲ 0.50% · 4.625%
HK$10,774
+HK$540/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$20,468/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$10,182
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,499
−HK$322/mo
Today · 4.125%
HK$10,821
baseline
▲ 0.50% · 4.625%
HK$11,479
+HK$658/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$21,642/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$11,328
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,632
−HK$308/mo
Today · 4.125%
HK$11,940
baseline
▲ 0.50% · 4.625%
HK$12,569
+HK$629/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$23,880/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$13,092
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,499
−HK$414/mo
Today · 4.125%
HK$13,913
baseline
▲ 0.50% · 4.625%
HK$14,759
+HK$846/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,826/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$14,564
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,955
−HK$396/mo
Today · 4.125%
HK$15,351
baseline
▲ 0.50% · 4.625%
HK$16,160
+HK$809/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,702/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).