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$7,269
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,495
−HK$230/mo
Today · 4.125%
HK$7,725
baseline
▲ 0.50% · 4.625%
HK$8,195
+HK$470/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,450/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$8,087
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,303
−HK$221/mo
Today · 4.125%
HK$8,524
baseline
▲ 0.50% · 4.625%
HK$8,973
+HK$449/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,048/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$8,723
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,994
−HK$276/mo
Today · 4.125%
HK$9,270
baseline
▲ 0.50% · 4.625%
HK$9,834
+HK$564/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$18,540/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$9,704
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,964
−HK$264/mo
Today · 4.125%
HK$10,228
baseline
▲ 0.50% · 4.625%
HK$10,767
+HK$539/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$20,456/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$10,177
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,493
−HK$322/mo
Today · 4.125%
HK$10,815
baseline
▲ 0.50% · 4.625%
HK$11,473
+HK$658/mo
Deposit HK$956K · loan HK$2.23M · min. income ≈ HK$21,630/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$11,321
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,625
−HK$308/mo
Today · 4.125%
HK$11,933
baseline
▲ 0.50% · 4.625%
HK$12,562
+HK$629/mo
Deposit HK$956K · loan HK$2.23M · min. income ≈ HK$23,866/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$13,084
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,491
−HK$414/mo
Today · 4.125%
HK$13,905
baseline
▲ 0.50% · 4.625%
HK$14,751
+HK$846/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,810/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$14,556
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,946
−HK$396/mo
Today · 4.125%
HK$15,342
baseline
▲ 0.50% · 4.625%
HK$16,151
+HK$809/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,684/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).