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$7,245
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,470
−HK$229/mo
Today · 4.125%
HK$7,699
baseline
▲ 0.50% · 4.625%
HK$8,167
+HK$468/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,398/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$8,060
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,276
−HK$219/mo
Today · 4.125%
HK$8,495
baseline
▲ 0.50% · 4.625%
HK$8,943
+HK$448/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,990/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$8,693
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,964
−HK$275/mo
Today · 4.125%
HK$9,239
baseline
▲ 0.50% · 4.625%
HK$9,801
+HK$562/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,478/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$9,671
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,931
−HK$263/mo
Today · 4.125%
HK$10,194
baseline
▲ 0.50% · 4.625%
HK$10,731
+HK$537/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,388/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$10,142
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,458
−HK$320/mo
Today · 4.125%
HK$10,778
baseline
▲ 0.50% · 4.625%
HK$11,434
+HK$656/mo
Deposit HK$953K · loan HK$2.22M · min. income ≈ HK$21,556/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,283
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,586
−HK$307/mo
Today · 4.125%
HK$11,893
baseline
▲ 0.50% · 4.625%
HK$12,520
+HK$627/mo
Deposit HK$953K · loan HK$2.22M · min. income ≈ HK$23,786/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,040
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,446
−HK$412/mo
Today · 4.125%
HK$13,858
baseline
▲ 0.50% · 4.625%
HK$14,701
+HK$843/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$27,716/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$14,507
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,896
−HK$395/mo
Today · 4.125%
HK$15,291
baseline
▲ 0.50% · 4.625%
HK$16,097
+HK$806/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$30,582/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).