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$7,240
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,466
−HK$228/mo
Today · 4.125%
HK$7,694
baseline
▲ 0.50% · 4.625%
HK$8,163
+HK$469/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,388/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$8,055
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,271
−HK$219/mo
Today · 4.125%
HK$8,490
baseline
▲ 0.50% · 4.625%
HK$8,938
+HK$448/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,980/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$8,688
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,959
−HK$274/mo
Today · 4.125%
HK$9,233
baseline
▲ 0.50% · 4.625%
HK$9,795
+HK$562/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,466/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$9,666
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,925
−HK$263/mo
Today · 4.125%
HK$10,188
baseline
▲ 0.50% · 4.625%
HK$10,725
+HK$537/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,376/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$10,137
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,452
−HK$320/mo
Today · 4.125%
HK$10,772
baseline
▲ 0.50% · 4.625%
HK$11,428
+HK$656/mo
Deposit HK$953K · loan HK$2.22M · min. income ≈ HK$21,544/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$11,277
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,579
−HK$307/mo
Today · 4.125%
HK$11,886
baseline
▲ 0.50% · 4.625%
HK$12,513
+HK$627/mo
Deposit HK$953K · loan HK$2.22M · min. income ≈ HK$23,772/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$13,033
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,438
−HK$412/mo
Today · 4.125%
HK$13,850
baseline
▲ 0.50% · 4.625%
HK$14,693
+HK$843/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$27,700/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$14,499
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,888
−HK$394/mo
Today · 4.125%
HK$15,282
baseline
▲ 0.50% · 4.625%
HK$16,088
+HK$806/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$30,564/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).