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$7,261
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,487
−HK$229/mo
Today · 4.125%
HK$7,716
baseline
▲ 0.50% · 4.625%
HK$8,186
+HK$470/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,432/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$8,078
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,294
−HK$220/mo
Today · 4.125%
HK$8,514
baseline
▲ 0.50% · 4.625%
HK$8,963
+HK$449/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,028/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$8,713
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,984
−HK$275/mo
Today · 4.125%
HK$9,259
baseline
▲ 0.50% · 4.625%
HK$9,823
+HK$564/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,518/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$9,693
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,953
−HK$264/mo
Today · 4.125%
HK$10,217
baseline
▲ 0.50% · 4.625%
HK$10,755
+HK$538/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,434/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$10,165
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,481
−HK$322/mo
Today · 4.125%
HK$10,803
baseline
▲ 0.50% · 4.625%
HK$11,460
+HK$657/mo
Deposit HK$955K · loan HK$2.23M · min. income ≈ HK$21,606/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$11,309
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,612
−HK$308/mo
Today · 4.125%
HK$11,920
baseline
▲ 0.50% · 4.625%
HK$12,548
+HK$628/mo
Deposit HK$955K · loan HK$2.23M · min. income ≈ HK$23,840/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$13,069
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,476
−HK$413/mo
Today · 4.125%
HK$13,889
baseline
▲ 0.50% · 4.625%
HK$14,734
+HK$845/mo
Deposit HK$318K · loan HK$2.87M · min. income ≈ HK$27,778/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$14,540
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,930
−HK$395/mo
Today · 4.125%
HK$15,325
baseline
▲ 0.50% · 4.625%
HK$16,133
+HK$808/mo
Deposit HK$318K · loan HK$2.87M · min. income ≈ HK$30,650/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).