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$7,268
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,494
−HK$230/mo
Today · 4.125%
HK$7,724
baseline
▲ 0.50% · 4.625%
HK$8,194
+HK$470/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,448/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$8,086
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,303
−HK$220/mo
Today · 4.125%
HK$8,523
baseline
▲ 0.50% · 4.625%
HK$8,972
+HK$449/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,046/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$8,722
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,993
−HK$276/mo
Today · 4.125%
HK$9,269
baseline
▲ 0.50% · 4.625%
HK$9,833
+HK$564/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,538/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$9,703
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,963
−HK$264/mo
Today · 4.125%
HK$10,227
baseline
▲ 0.50% · 4.625%
HK$10,766
+HK$539/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,454/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$10,175
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,492
−HK$321/mo
Today · 4.125%
HK$10,813
baseline
▲ 0.50% · 4.625%
HK$11,471
+HK$658/mo
Deposit HK$956K · loan HK$2.23M · min. income ≈ HK$21,626/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,320
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,624
−HK$308/mo
Today · 4.125%
HK$11,932
baseline
▲ 0.50% · 4.625%
HK$12,561
+HK$629/mo
Deposit HK$956K · loan HK$2.23M · min. income ≈ HK$23,864/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,083
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,490
−HK$413/mo
Today · 4.125%
HK$13,903
baseline
▲ 0.50% · 4.625%
HK$14,749
+HK$846/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,806/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$14,554
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,945
−HK$396/mo
Today · 4.125%
HK$15,341
baseline
▲ 0.50% · 4.625%
HK$16,149
+HK$808/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,682/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).