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$7,272
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,498
−HK$230/mo
Today · 4.125%
HK$7,728
baseline
▲ 0.50% · 4.625%
HK$8,198
+HK$470/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,456/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$8,090
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,307
−HK$220/mo
Today · 4.125%
HK$8,527
baseline
▲ 0.50% · 4.625%
HK$8,976
+HK$449/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,054/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$8,726
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,997
−HK$276/mo
Today · 4.125%
HK$9,273
baseline
▲ 0.50% · 4.625%
HK$9,837
+HK$564/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$18,546/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,708
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,968
−HK$264/mo
Today · 4.125%
HK$10,232
baseline
▲ 0.50% · 4.625%
HK$10,771
+HK$539/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$20,464/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,180
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,497
−HK$322/mo
Today · 4.125%
HK$10,819
baseline
▲ 0.50% · 4.625%
HK$11,477
+HK$658/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$21,638/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,326
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,629
−HK$308/mo
Today · 4.125%
HK$11,937
baseline
▲ 0.50% · 4.625%
HK$12,567
+HK$630/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$23,874/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,089
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,496
−HK$414/mo
Today · 4.125%
HK$13,910
baseline
▲ 0.50% · 4.625%
HK$14,756
+HK$846/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,820/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$14,561
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,952
−HK$396/mo
Today · 4.125%
HK$15,348
baseline
▲ 0.50% · 4.625%
HK$16,157
+HK$809/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,696/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).