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$7,232
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,457
−HK$229/mo
Today · 4.125%
HK$7,686
baseline
▲ 0.50% · 4.625%
HK$8,153
+HK$467/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,372/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$8,046
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,262
−HK$218/mo
Today · 4.125%
HK$8,480
baseline
▲ 0.50% · 4.625%
HK$8,927
+HK$447/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,960/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$8,679
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,949
−HK$274/mo
Today · 4.125%
HK$9,223
baseline
▲ 0.50% · 4.625%
HK$9,784
+HK$561/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,446/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$9,655
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,914
−HK$263/mo
Today · 4.125%
HK$10,177
baseline
▲ 0.50% · 4.625%
HK$10,713
+HK$536/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,354/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$10,125
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,440
−HK$320/mo
Today · 4.125%
HK$10,760
baseline
▲ 0.50% · 4.625%
HK$11,415
+HK$655/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$21,520/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$11,264
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,566
−HK$307/mo
Today · 4.125%
HK$11,873
baseline
▲ 0.50% · 4.625%
HK$12,498
+HK$625/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$23,746/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$13,018
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,423
−HK$411/mo
Today · 4.125%
HK$13,834
baseline
▲ 0.50% · 4.625%
HK$14,676
+HK$842/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$27,668/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$14,482
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,871
−HK$394/mo
Today · 4.125%
HK$15,265
baseline
▲ 0.50% · 4.625%
HK$16,069
+HK$804/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$30,530/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).