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$7,235
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,460
−HK$229/mo
Today · 4.125%
HK$7,689
baseline
▲ 0.50% · 4.625%
HK$8,157
+HK$468/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,378/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$8,049
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,265
−HK$219/mo
Today · 4.125%
HK$8,484
baseline
▲ 0.50% · 4.625%
HK$8,931
+HK$447/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,968/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$8,682
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,953
−HK$274/mo
Today · 4.125%
HK$9,227
baseline
▲ 0.50% · 4.625%
HK$9,788
+HK$561/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,454/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$9,659
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,918
−HK$263/mo
Today · 4.125%
HK$10,181
baseline
▲ 0.50% · 4.625%
HK$10,718
+HK$537/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,362/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$10,130
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,445
−HK$320/mo
Today · 4.125%
HK$10,765
baseline
▲ 0.50% · 4.625%
HK$11,420
+HK$655/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$21,530/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$11,269
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,571
−HK$307/mo
Today · 4.125%
HK$11,878
baseline
▲ 0.50% · 4.625%
HK$12,504
+HK$626/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$23,756/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$13,024
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,429
−HK$411/mo
Today · 4.125%
HK$13,840
baseline
▲ 0.50% · 4.625%
HK$14,683
+HK$843/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$27,680/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$14,489
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,877
−HK$394/mo
Today · 4.125%
HK$15,271
baseline
▲ 0.50% · 4.625%
HK$16,076
+HK$805/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$30,542/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).