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$7,265
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,491
−HK$230/mo
Today · 4.125%
HK$7,721
baseline
▲ 0.50% · 4.625%
HK$8,191
+HK$470/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,442/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$8,083
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,299
−HK$220/mo
Today · 4.125%
HK$8,519
baseline
▲ 0.50% · 4.625%
HK$8,968
+HK$449/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,038/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$8,718
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,990
−HK$275/mo
Today · 4.125%
HK$9,265
baseline
▲ 0.50% · 4.625%
HK$9,829
+HK$564/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,530/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$9,699
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,959
−HK$264/mo
Today · 4.125%
HK$10,223
baseline
▲ 0.50% · 4.625%
HK$10,762
+HK$539/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,446/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$10,171
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,488
−HK$321/mo
Today · 4.125%
HK$10,809
baseline
▲ 0.50% · 4.625%
HK$11,467
+HK$658/mo
Deposit HK$956K · loan HK$2.23M · min. income ≈ HK$21,618/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$11,316
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,619
−HK$308/mo
Today · 4.125%
HK$11,927
baseline
▲ 0.50% · 4.625%
HK$12,556
+HK$629/mo
Deposit HK$956K · loan HK$2.23M · min. income ≈ HK$23,854/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$13,078
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,484
−HK$414/mo
Today · 4.125%
HK$13,898
baseline
▲ 0.50% · 4.625%
HK$14,743
+HK$845/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,796/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$14,549
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,939
−HK$396/mo
Today · 4.125%
HK$15,335
baseline
▲ 0.50% · 4.625%
HK$16,143
+HK$808/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,670/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).