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$7,274
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,500
−HK$230/mo
Today · 4.125%
HK$7,730
baseline
▲ 0.50% · 4.625%
HK$8,200
+HK$470/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,460/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$8,092
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,309
−HK$220/mo
Today · 4.125%
HK$8,529
baseline
▲ 0.50% · 4.625%
HK$8,978
+HK$449/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,058/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$8,728
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,000
−HK$276/mo
Today · 4.125%
HK$9,276
baseline
▲ 0.50% · 4.625%
HK$9,840
+HK$564/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$18,552/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$9,710
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,970
−HK$265/mo
Today · 4.125%
HK$10,235
baseline
▲ 0.50% · 4.625%
HK$10,774
+HK$539/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$20,470/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$10,183
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,500
−HK$321/mo
Today · 4.125%
HK$10,821
baseline
▲ 0.50% · 4.625%
HK$11,480
+HK$659/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$21,642/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,328
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,632
−HK$308/mo
Today · 4.125%
HK$11,940
baseline
▲ 0.50% · 4.625%
HK$12,570
+HK$630/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$23,880/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,092
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,500
−HK$413/mo
Today · 4.125%
HK$13,913
baseline
▲ 0.50% · 4.625%
HK$14,760
+HK$847/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,826/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$14,565
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,956
−HK$396/mo
Today · 4.125%
HK$15,352
baseline
▲ 0.50% · 4.625%
HK$16,161
+HK$809/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,704/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).