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$7,263
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,488
−HK$230/mo
Today · 4.125%
HK$7,718
baseline
▲ 0.50% · 4.625%
HK$8,188
+HK$470/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,436/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$8,080
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,296
−HK$220/mo
Today · 4.125%
HK$8,516
baseline
▲ 0.50% · 4.625%
HK$8,965
+HK$449/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,032/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$8,715
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,986
−HK$276/mo
Today · 4.125%
HK$9,262
baseline
▲ 0.50% · 4.625%
HK$9,825
+HK$563/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,524/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$9,695
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,955
−HK$264/mo
Today · 4.125%
HK$10,219
baseline
▲ 0.50% · 4.625%
HK$10,758
+HK$539/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,438/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$10,168
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,484
−HK$321/mo
Today · 4.125%
HK$10,805
baseline
▲ 0.50% · 4.625%
HK$11,463
+HK$658/mo
Deposit HK$955K · loan HK$2.23M · min. income ≈ HK$21,610/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,311
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,615
−HK$307/mo
Today · 4.125%
HK$11,922
baseline
▲ 0.50% · 4.625%
HK$12,551
+HK$629/mo
Deposit HK$955K · loan HK$2.23M · min. income ≈ HK$23,844/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,073
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,479
−HK$413/mo
Today · 4.125%
HK$13,892
baseline
▲ 0.50% · 4.625%
HK$14,738
+HK$846/mo
Deposit HK$318K · loan HK$2.87M · min. income ≈ HK$27,784/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$14,543
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,933
−HK$396/mo
Today · 4.125%
HK$15,329
baseline
▲ 0.50% · 4.625%
HK$16,137
+HK$808/mo
Deposit HK$318K · loan HK$2.87M · min. income ≈ HK$30,658/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).