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$7,465
−HK$229/mo
Today · 4.125%
HK$7,694
baseline
▲ 0.50% · 4.625%
HK$8,162
+HK$468/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$8,054
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,270
−HK$219/mo
Today · 4.125%
HK$8,489
baseline
▲ 0.50% · 4.625%
HK$8,937
+HK$448/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,978/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$544/mo
▼ 0.25% · 3.875%
HK$8,958
−HK$274/mo
Today · 4.125%
HK$9,232
baseline
▲ 0.50% · 4.625%
HK$9,794
+HK$562/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,464/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$9,665
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,924
−HK$263/mo
Today · 4.125%
HK$10,187
baseline
▲ 0.50% · 4.625%
HK$10,724
+HK$537/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,374/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$10,136
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,451
−HK$320/mo
Today · 4.125%
HK$10,771
baseline
▲ 0.50% · 4.625%
HK$11,427
+HK$656/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$21,542/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$11,276
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,578
−HK$307/mo
Today · 4.125%
HK$11,885
baseline
▲ 0.50% · 4.625%
HK$12,511
+HK$626/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$23,770/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$13,032
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,437
−HK$412/mo
Today · 4.125%
HK$13,849
baseline
▲ 0.50% · 4.625%
HK$14,691
+HK$842/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$27,698/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$14,497
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,886
−HK$395/mo
Today · 4.125%
HK$15,281
baseline
▲ 0.50% · 4.625%
HK$16,086
+HK$805/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$30,562/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).