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$7,236
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,461
−HK$229/mo
Today · 4.125%
HK$7,690
baseline
▲ 0.50% · 4.625%
HK$8,158
+HK$468/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,380/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$8,050
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,266
−HK$219/mo
Today · 4.125%
HK$8,485
baseline
▲ 0.50% · 4.625%
HK$8,932
+HK$447/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,970/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$8,683
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,953
−HK$275/mo
Today · 4.125%
HK$9,228
baseline
▲ 0.50% · 4.625%
HK$9,789
+HK$561/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,456/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$9,660
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,919
−HK$263/mo
Today · 4.125%
HK$10,182
baseline
▲ 0.50% · 4.625%
HK$10,719
+HK$537/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,364/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$10,131
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,446
−HK$320/mo
Today · 4.125%
HK$10,766
baseline
▲ 0.50% · 4.625%
HK$11,421
+HK$655/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$21,532/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,270
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,572
−HK$307/mo
Today · 4.125%
HK$11,879
baseline
▲ 0.50% · 4.625%
HK$12,505
+HK$626/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$23,758/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,025
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,430
−HK$412/mo
Today · 4.125%
HK$13,842
baseline
▲ 0.50% · 4.625%
HK$14,684
+HK$842/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$27,684/mo (50% DSR)
Upfront cash ≈ HK$317K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,490
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,879
−HK$394/mo
Today · 4.125%
HK$15,273
baseline
▲ 0.50% · 4.625%
HK$16,078
+HK$805/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$30,546/mo (50% DSR)
Upfront cash ≈ HK$317K (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).