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$7,237
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,462
−HK$229/mo
Today · 4.125%
HK$7,691
baseline
▲ 0.50% · 4.625%
HK$8,159
+HK$468/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,382/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$8,051
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,267
−HK$219/mo
Today · 4.125%
HK$8,486
baseline
▲ 0.50% · 4.625%
HK$8,933
+HK$447/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,972/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$8,684
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,955
−HK$274/mo
Today · 4.125%
HK$9,229
baseline
▲ 0.50% · 4.625%
HK$9,791
+HK$562/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,458/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$9,661
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,921
−HK$262/mo
Today · 4.125%
HK$10,183
baseline
▲ 0.50% · 4.625%
HK$10,720
+HK$537/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,366/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$10,132
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,447
−HK$320/mo
Today · 4.125%
HK$10,767
baseline
▲ 0.50% · 4.625%
HK$11,422
+HK$655/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$21,534/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,272
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,574
−HK$307/mo
Today · 4.125%
HK$11,881
baseline
▲ 0.50% · 4.625%
HK$12,507
+HK$626/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$23,762/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,027
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,432
−HK$412/mo
Today · 4.125%
HK$13,844
baseline
▲ 0.50% · 4.625%
HK$14,686
+HK$842/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$27,688/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$14,492
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,881
−HK$394/mo
Today · 4.125%
HK$15,275
baseline
▲ 0.50% · 4.625%
HK$16,080
+HK$805/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$30,550/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).