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$7,258
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,483
−HK$230/mo
Today · 4.125%
HK$7,713
baseline
▲ 0.50% · 4.625%
HK$8,182
+HK$469/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,426/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$8,074
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,291
−HK$219/mo
Today · 4.125%
HK$8,510
baseline
▲ 0.50% · 4.625%
HK$8,959
+HK$449/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,020/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$8,709
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,980
−HK$275/mo
Today · 4.125%
HK$9,255
baseline
▲ 0.50% · 4.625%
HK$9,818
+HK$563/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,510/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$9,689
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,949
−HK$263/mo
Today · 4.125%
HK$10,212
baseline
▲ 0.50% · 4.625%
HK$10,751
+HK$539/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,424/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$10,161
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,477
−HK$321/mo
Today · 4.125%
HK$10,798
baseline
▲ 0.50% · 4.625%
HK$11,455
+HK$657/mo
Deposit HK$955K · loan HK$2.23M · min. income ≈ HK$21,596/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,304
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,607
−HK$307/mo
Today · 4.125%
HK$11,914
baseline
▲ 0.50% · 4.625%
HK$12,542
+HK$628/mo
Deposit HK$955K · loan HK$2.23M · min. income ≈ HK$23,828/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,064
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,470
−HK$413/mo
Today · 4.125%
HK$13,883
baseline
▲ 0.50% · 4.625%
HK$14,728
+HK$845/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$27,766/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$14,533
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,923
−HK$395/mo
Today · 4.125%
HK$15,318
baseline
▲ 0.50% · 4.625%
HK$16,126
+HK$808/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$30,636/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).