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$7,256
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,481
−HK$230/mo
Today · 4.125%
HK$7,711
baseline
▲ 0.50% · 4.625%
HK$8,180
+HK$469/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,422/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$8,072
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,288
−HK$220/mo
Today · 4.125%
HK$8,508
baseline
▲ 0.50% · 4.625%
HK$8,956
+HK$448/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,016/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$8,707
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,978
−HK$275/mo
Today · 4.125%
HK$9,253
baseline
▲ 0.50% · 4.625%
HK$9,816
+HK$563/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,506/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$9,686
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,946
−HK$263/mo
Today · 4.125%
HK$10,209
baseline
▲ 0.50% · 4.625%
HK$10,748
+HK$539/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,418/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$10,158
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,474
−HK$321/mo
Today · 4.125%
HK$10,795
baseline
▲ 0.50% · 4.625%
HK$11,452
+HK$657/mo
Deposit HK$955K · loan HK$2.23M · min. income ≈ HK$21,590/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,300
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,604
−HK$307/mo
Today · 4.125%
HK$11,911
baseline
▲ 0.50% · 4.625%
HK$12,539
+HK$628/mo
Deposit HK$955K · loan HK$2.23M · min. income ≈ HK$23,822/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,060
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,466
−HK$413/mo
Today · 4.125%
HK$13,879
baseline
▲ 0.50% · 4.625%
HK$14,724
+HK$845/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$27,758/mo (50% DSR)
Upfront cash ≈ HK$318K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,529
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,919
−HK$395/mo
Today · 4.125%
HK$15,314
baseline
▲ 0.50% · 4.625%
HK$16,121
+HK$807/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$30,628/mo (50% DSR)
Upfront cash ≈ HK$318K (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).