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$7,200
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,424
−HK$227/mo
Today · 4.125%
HK$7,651
baseline
▲ 0.50% · 4.625%
HK$8,117
+HK$466/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,302/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,010
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,224
−HK$218/mo
Today · 4.125%
HK$8,442
baseline
▲ 0.50% · 4.625%
HK$8,887
+HK$445/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,884/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,640
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,908
−HK$273/mo
Today · 4.125%
HK$9,181
baseline
▲ 0.50% · 4.625%
HK$9,740
+HK$559/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,362/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,611
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,869
−HK$262/mo
Today · 4.125%
HK$10,131
baseline
▲ 0.50% · 4.625%
HK$10,665
+HK$534/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,262/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,079
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,393
−HK$319/mo
Today · 4.125%
HK$10,712
baseline
▲ 0.50% · 4.625%
HK$11,363
+HK$651/mo
Deposit HK$947K · loan HK$2.21M · min. income ≈ HK$21,424/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,213
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,514
−HK$305/mo
Today · 4.125%
HK$11,819
baseline
▲ 0.50% · 4.625%
HK$12,442
+HK$623/mo
Deposit HK$947K · loan HK$2.21M · min. income ≈ HK$23,638/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,959
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,362
−HK$410/mo
Today · 4.125%
HK$13,772
baseline
▲ 0.50% · 4.625%
HK$14,610
+HK$838/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$27,544/mo (50% DSR)
Upfront cash ≈ HK$316K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,417
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,804
−HK$392/mo
Today · 4.125%
HK$15,196
baseline
▲ 0.50% · 4.625%
HK$15,997
+HK$801/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$30,392/mo (50% DSR)
Upfront cash ≈ HK$316K (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).