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$7,254
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,479
−HK$229/mo
Today · 4.125%
HK$7,708
baseline
▲ 0.50% · 4.625%
HK$8,177
+HK$469/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,416/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$8,069
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,286
−HK$219/mo
Today · 4.125%
HK$8,505
baseline
▲ 0.50% · 4.625%
HK$8,954
+HK$449/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,010/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$8,704
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,975
−HK$275/mo
Today · 4.125%
HK$9,250
baseline
▲ 0.50% · 4.625%
HK$9,813
+HK$563/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,500/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$9,683
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,943
−HK$264/mo
Today · 4.125%
HK$10,207
baseline
▲ 0.50% · 4.625%
HK$10,745
+HK$538/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,414/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$10,155
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,471
−HK$321/mo
Today · 4.125%
HK$10,792
baseline
▲ 0.50% · 4.625%
HK$11,448
+HK$656/mo
Deposit HK$954K · loan HK$2.23M · min. income ≈ HK$21,584/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$11,297
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,600
−HK$308/mo
Today · 4.125%
HK$11,908
baseline
▲ 0.50% · 4.625%
HK$12,535
+HK$627/mo
Deposit HK$954K · loan HK$2.23M · min. income ≈ HK$23,816/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$13,056
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,462
−HK$413/mo
Today · 4.125%
HK$13,875
baseline
▲ 0.50% · 4.625%
HK$14,719
+HK$844/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$27,750/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$14,525
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,915
−HK$395/mo
Today · 4.125%
HK$15,310
baseline
▲ 0.50% · 4.625%
HK$16,117
+HK$807/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$30,620/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).