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$7,273
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,499
−HK$230/mo
Today · 4.125%
HK$7,729
baseline
▲ 0.50% · 4.625%
HK$8,199
+HK$470/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,458/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$8,091
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,308
−HK$220/mo
Today · 4.125%
HK$8,528
baseline
▲ 0.50% · 4.625%
HK$8,978
+HK$450/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,056/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$8,727
−HK$548/mo
▼ 0.25% · 3.875%
HK$8,999
−HK$276/mo
Today · 4.125%
HK$9,275
baseline
▲ 0.50% · 4.625%
HK$9,839
+HK$564/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$18,550/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$9,709
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,969
−HK$265/mo
Today · 4.125%
HK$10,234
baseline
▲ 0.50% · 4.625%
HK$10,773
+HK$539/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$20,468/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$10,182
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,499
−HK$321/mo
Today · 4.125%
HK$10,820
baseline
▲ 0.50% · 4.625%
HK$11,479
+HK$659/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$21,640/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$11,327
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,631
−HK$308/mo
Today · 4.125%
HK$11,939
baseline
▲ 0.50% · 4.625%
HK$12,569
+HK$630/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$23,878/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$13,091
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,498
−HK$414/mo
Today · 4.125%
HK$13,912
baseline
▲ 0.50% · 4.625%
HK$14,758
+HK$846/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,824/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$14,564
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,954
−HK$396/mo
Today · 4.125%
HK$15,350
baseline
▲ 0.50% · 4.625%
HK$16,160
+HK$810/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,700/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).