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$7,238
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,463
−HK$229/mo
Today · 4.125%
HK$7,692
baseline
▲ 0.50% · 4.625%
HK$8,160
+HK$468/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,384/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$8,053
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,269
−HK$219/mo
Today · 4.125%
HK$8,488
baseline
▲ 0.50% · 4.625%
HK$8,935
+HK$447/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,976/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$8,686
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,956
−HK$275/mo
Today · 4.125%
HK$9,231
baseline
▲ 0.50% · 4.625%
HK$9,792
+HK$561/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,462/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$9,663
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,922
−HK$263/mo
Today · 4.125%
HK$10,185
baseline
▲ 0.50% · 4.625%
HK$10,722
+HK$537/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,370/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$10,134
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,449
−HK$320/mo
Today · 4.125%
HK$10,769
baseline
▲ 0.50% · 4.625%
HK$11,424
+HK$655/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$21,538/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$11,274
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,576
−HK$307/mo
Today · 4.125%
HK$11,883
baseline
▲ 0.50% · 4.625%
HK$12,509
+HK$626/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$23,766/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$13,029
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,434
−HK$412/mo
Today · 4.125%
HK$13,846
baseline
▲ 0.50% · 4.625%
HK$14,688
+HK$842/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$27,692/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$14,495
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,883
−HK$395/mo
Today · 4.125%
HK$15,278
baseline
▲ 0.50% · 4.625%
HK$16,083
+HK$805/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$30,556/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).