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$7,249
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,474
−HK$229/mo
Today · 4.125%
HK$7,703
baseline
▲ 0.50% · 4.625%
HK$8,172
+HK$469/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,406/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$8,064
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,280
−HK$220/mo
Today · 4.125%
HK$8,500
baseline
▲ 0.50% · 4.625%
HK$8,948
+HK$448/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,000/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$8,698
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,969
−HK$275/mo
Today · 4.125%
HK$9,244
baseline
▲ 0.50% · 4.625%
HK$9,806
+HK$562/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,488/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$9,677
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,936
−HK$264/mo
Today · 4.125%
HK$10,200
baseline
▲ 0.50% · 4.625%
HK$10,737
+HK$537/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,400/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$10,148
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,464
−HK$320/mo
Today · 4.125%
HK$10,784
baseline
▲ 0.50% · 4.625%
HK$11,441
+HK$657/mo
Deposit HK$954K · loan HK$2.23M · min. income ≈ HK$21,568/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,290
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,592
−HK$308/mo
Today · 4.125%
HK$11,900
baseline
▲ 0.50% · 4.625%
HK$12,527
+HK$627/mo
Deposit HK$954K · loan HK$2.23M · min. income ≈ HK$23,800/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,048
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,453
−HK$413/mo
Today · 4.125%
HK$13,866
baseline
▲ 0.50% · 4.625%
HK$14,709
+HK$843/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$27,732/mo (50% DSR)
Upfront cash ≈ HK$318K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,515
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,905
−HK$394/mo
Today · 4.125%
HK$15,299
baseline
▲ 0.50% · 4.625%
HK$16,106
+HK$807/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$30,598/mo (50% DSR)
Upfront cash ≈ HK$318K (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).