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$7,235
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,460
−HK$228/mo
Today · 4.125%
HK$7,688
baseline
▲ 0.50% · 4.625%
HK$8,156
+HK$468/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,376/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$8,048
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,264
−HK$219/mo
Today · 4.125%
HK$8,483
baseline
▲ 0.50% · 4.625%
HK$8,930
+HK$447/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,966/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$8,681
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,951
−HK$275/mo
Today · 4.125%
HK$9,226
baseline
▲ 0.50% · 4.625%
HK$9,787
+HK$561/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,452/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$9,658
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,917
−HK$263/mo
Today · 4.125%
HK$10,180
baseline
▲ 0.50% · 4.625%
HK$10,716
+HK$536/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,360/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$10,128
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,443
−HK$320/mo
Today · 4.125%
HK$10,763
baseline
▲ 0.50% · 4.625%
HK$11,418
+HK$655/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$21,526/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$11,268
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,570
−HK$306/mo
Today · 4.125%
HK$11,876
baseline
▲ 0.50% · 4.625%
HK$12,502
+HK$626/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$23,752/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$13,022
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,427
−HK$412/mo
Today · 4.125%
HK$13,839
baseline
▲ 0.50% · 4.625%
HK$14,681
+HK$842/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$27,678/mo (50% DSR)
Upfront cash ≈ HK$317K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,487
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,876
−HK$394/mo
Today · 4.125%
HK$15,270
baseline
▲ 0.50% · 4.625%
HK$16,075
+HK$805/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$30,540/mo (50% DSR)
Upfront cash ≈ HK$317K (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).