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$7,262
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,488
−HK$229/mo
Today · 4.125%
HK$7,717
baseline
▲ 0.50% · 4.625%
HK$8,187
+HK$470/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,434/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$8,079
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,296
−HK$219/mo
Today · 4.125%
HK$8,515
baseline
▲ 0.50% · 4.625%
HK$8,964
+HK$449/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,030/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$8,715
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,986
−HK$275/mo
Today · 4.125%
HK$9,261
baseline
▲ 0.50% · 4.625%
HK$9,824
+HK$563/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,522/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$9,695
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,955
−HK$264/mo
Today · 4.125%
HK$10,219
baseline
▲ 0.50% · 4.625%
HK$10,757
+HK$538/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,438/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$10,167
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,483
−HK$321/mo
Today · 4.125%
HK$10,804
baseline
▲ 0.50% · 4.625%
HK$11,462
+HK$658/mo
Deposit HK$955K · loan HK$2.23M · min. income ≈ HK$21,608/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$11,311
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,614
−HK$308/mo
Today · 4.125%
HK$11,922
baseline
▲ 0.50% · 4.625%
HK$12,550
+HK$628/mo
Deposit HK$955K · loan HK$2.23M · min. income ≈ HK$23,844/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$13,072
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,478
−HK$413/mo
Today · 4.125%
HK$13,891
baseline
▲ 0.50% · 4.625%
HK$14,737
+HK$846/mo
Deposit HK$318K · loan HK$2.87M · min. income ≈ HK$27,782/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$14,542
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,932
−HK$396/mo
Today · 4.125%
HK$15,328
baseline
▲ 0.50% · 4.625%
HK$16,136
+HK$808/mo
Deposit HK$318K · loan HK$2.87M · min. income ≈ HK$30,656/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).