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$7,260
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,486
−HK$230/mo
Today · 4.125%
HK$7,716
baseline
▲ 0.50% · 4.625%
HK$8,185
+HK$469/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,432/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$8,077
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,294
−HK$220/mo
Today · 4.125%
HK$8,514
baseline
▲ 0.50% · 4.625%
HK$8,962
+HK$448/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,028/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$8,712
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,984
−HK$275/mo
Today · 4.125%
HK$9,259
baseline
▲ 0.50% · 4.625%
HK$9,822
+HK$563/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,518/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$9,693
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,953
−HK$263/mo
Today · 4.125%
HK$10,216
baseline
▲ 0.50% · 4.625%
HK$10,755
+HK$539/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,432/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$10,165
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,481
−HK$321/mo
Today · 4.125%
HK$10,802
baseline
▲ 0.50% · 4.625%
HK$11,459
+HK$657/mo
Deposit HK$955K · loan HK$2.23M · min. income ≈ HK$21,604/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,308
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,611
−HK$308/mo
Today · 4.125%
HK$11,919
baseline
▲ 0.50% · 4.625%
HK$12,547
+HK$628/mo
Deposit HK$955K · loan HK$2.23M · min. income ≈ HK$23,838/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,069
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,475
−HK$413/mo
Today · 4.125%
HK$13,888
baseline
▲ 0.50% · 4.625%
HK$14,733
+HK$845/mo
Deposit HK$318K · loan HK$2.87M · min. income ≈ HK$27,776/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$14,539
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,929
−HK$395/mo
Today · 4.125%
HK$15,324
baseline
▲ 0.50% · 4.625%
HK$16,132
+HK$808/mo
Deposit HK$318K · loan HK$2.87M · min. income ≈ HK$30,648/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).