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$7,248
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,474
−HK$229/mo
Today · 4.125%
HK$7,703
baseline
▲ 0.50% · 4.625%
HK$8,171
+HK$468/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,406/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$8,063
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,280
−HK$219/mo
Today · 4.125%
HK$8,499
baseline
▲ 0.50% · 4.625%
HK$8,947
+HK$448/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,998/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$8,698
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,968
−HK$275/mo
Today · 4.125%
HK$9,243
baseline
▲ 0.50% · 4.625%
HK$9,806
+HK$563/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,486/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$9,676
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,936
−HK$263/mo
Today · 4.125%
HK$10,199
baseline
▲ 0.50% · 4.625%
HK$10,737
+HK$538/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,398/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$10,147
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,463
−HK$321/mo
Today · 4.125%
HK$10,784
baseline
▲ 0.50% · 4.625%
HK$11,440
+HK$656/mo
Deposit HK$954K · loan HK$2.23M · min. income ≈ HK$21,568/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$11,289
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,592
−HK$307/mo
Today · 4.125%
HK$11,899
baseline
▲ 0.50% · 4.625%
HK$12,526
+HK$627/mo
Deposit HK$954K · loan HK$2.23M · min. income ≈ HK$23,798/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$13,047
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,452
−HK$413/mo
Today · 4.125%
HK$13,865
baseline
▲ 0.50% · 4.625%
HK$14,708
+HK$843/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$27,730/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$14,514
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,904
−HK$394/mo
Today · 4.125%
HK$15,298
baseline
▲ 0.50% · 4.625%
HK$16,105
+HK$807/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$30,596/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).