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$7,271
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,497
−HK$230/mo
Today · 4.125%
HK$7,727
baseline
▲ 0.50% · 4.625%
HK$8,197
+HK$470/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,454/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$8,089
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,306
−HK$220/mo
Today · 4.125%
HK$8,526
baseline
▲ 0.50% · 4.625%
HK$8,975
+HK$449/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,052/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$8,725
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,997
−HK$275/mo
Today · 4.125%
HK$9,272
baseline
▲ 0.50% · 4.625%
HK$9,837
+HK$565/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$18,544/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$9,707
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,967
−HK$264/mo
Today · 4.125%
HK$10,231
baseline
▲ 0.50% · 4.625%
HK$10,771
+HK$540/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$20,462/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$10,180
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,496
−HK$322/mo
Today · 4.125%
HK$10,818
baseline
▲ 0.50% · 4.625%
HK$11,476
+HK$658/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$21,636/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$11,325
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,628
−HK$308/mo
Today · 4.125%
HK$11,936
baseline
▲ 0.50% · 4.625%
HK$12,566
+HK$630/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$23,872/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$13,088
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,495
−HK$414/mo
Today · 4.125%
HK$13,909
baseline
▲ 0.50% · 4.625%
HK$14,755
+HK$846/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,818/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$14,560
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,951
−HK$396/mo
Today · 4.125%
HK$15,347
baseline
▲ 0.50% · 4.625%
HK$16,156
+HK$809/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,694/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).