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$7,243
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,469
−HK$228/mo
Today · 4.125%
HK$7,697
baseline
▲ 0.50% · 4.625%
HK$8,166
+HK$469/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,394/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$8,058
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,274
−HK$219/mo
Today · 4.125%
HK$8,493
baseline
▲ 0.50% · 4.625%
HK$8,941
+HK$448/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,986/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$8,692
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,962
−HK$275/mo
Today · 4.125%
HK$9,237
baseline
▲ 0.50% · 4.625%
HK$9,799
+HK$562/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,474/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$9,670
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,929
−HK$263/mo
Today · 4.125%
HK$10,192
baseline
▲ 0.50% · 4.625%
HK$10,729
+HK$537/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,384/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$10,141
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,456
−HK$320/mo
Today · 4.125%
HK$10,776
baseline
▲ 0.50% · 4.625%
HK$11,432
+HK$656/mo
Deposit HK$953K · loan HK$2.22M · min. income ≈ HK$21,552/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,281
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,584
−HK$307/mo
Today · 4.125%
HK$11,891
baseline
▲ 0.50% · 4.625%
HK$12,518
+HK$627/mo
Deposit HK$953K · loan HK$2.22M · min. income ≈ HK$23,782/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,038
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,443
−HK$412/mo
Today · 4.125%
HK$13,855
baseline
▲ 0.50% · 4.625%
HK$14,698
+HK$843/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$27,710/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$14,504
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,893
−HK$395/mo
Today · 4.125%
HK$15,288
baseline
▲ 0.50% · 4.625%
HK$16,094
+HK$806/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$30,576/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).