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$7,251
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,476
−HK$229/mo
Today · 4.125%
HK$7,705
baseline
▲ 0.50% · 4.625%
HK$8,174
+HK$469/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,410/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$8,066
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,283
−HK$219/mo
Today · 4.125%
HK$8,502
baseline
▲ 0.50% · 4.625%
HK$8,950
+HK$448/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,004/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$8,701
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,971
−HK$275/mo
Today · 4.125%
HK$9,246
baseline
▲ 0.50% · 4.625%
HK$9,809
+HK$563/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,492/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$9,679
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,939
−HK$263/mo
Today · 4.125%
HK$10,202
baseline
▲ 0.50% · 4.625%
HK$10,740
+HK$538/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,404/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$10,151
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,467
−HK$320/mo
Today · 4.125%
HK$10,787
baseline
▲ 0.50% · 4.625%
HK$11,444
+HK$657/mo
Deposit HK$954K · loan HK$2.23M · min. income ≈ HK$21,574/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$11,293
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,596
−HK$307/mo
Today · 4.125%
HK$11,903
baseline
▲ 0.50% · 4.625%
HK$12,530
+HK$627/mo
Deposit HK$954K · loan HK$2.23M · min. income ≈ HK$23,806/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$13,051
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,457
−HK$412/mo
Today · 4.125%
HK$13,869
baseline
▲ 0.50% · 4.625%
HK$14,713
+HK$844/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$27,738/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$14,519
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,909
−HK$395/mo
Today · 4.125%
HK$15,304
baseline
▲ 0.50% · 4.625%
HK$16,110
+HK$806/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$30,608/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).