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$7,267
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,493
−HK$230/mo
Today · 4.125%
HK$7,723
baseline
▲ 0.50% · 4.625%
HK$8,193
+HK$470/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,446/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$8,085
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,302
−HK$219/mo
Today · 4.125%
HK$8,521
baseline
▲ 0.50% · 4.625%
HK$8,971
+HK$450/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,042/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$8,721
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,992
−HK$276/mo
Today · 4.125%
HK$9,268
baseline
▲ 0.50% · 4.625%
HK$9,831
+HK$563/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,536/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$9,702
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,962
−HK$264/mo
Today · 4.125%
HK$10,226
baseline
▲ 0.50% · 4.625%
HK$10,765
+HK$539/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,452/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$10,174
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,491
−HK$321/mo
Today · 4.125%
HK$10,812
baseline
▲ 0.50% · 4.625%
HK$11,470
+HK$658/mo
Deposit HK$956K · loan HK$2.23M · min. income ≈ HK$21,624/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$11,319
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,622
−HK$308/mo
Today · 4.125%
HK$11,930
baseline
▲ 0.50% · 4.625%
HK$12,559
+HK$629/mo
Deposit HK$956K · loan HK$2.23M · min. income ≈ HK$23,860/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$13,081
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,488
−HK$413/mo
Today · 4.125%
HK$13,901
baseline
▲ 0.50% · 4.625%
HK$14,747
+HK$846/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,802/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$14,552
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,943
−HK$396/mo
Today · 4.125%
HK$15,339
baseline
▲ 0.50% · 4.625%
HK$16,147
+HK$808/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,678/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).