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$7,209
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,433
−HK$228/mo
Today · 4.125%
HK$7,661
baseline
▲ 0.50% · 4.625%
HK$8,127
+HK$466/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,322/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$8,020
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,235
−HK$218/mo
Today · 4.125%
HK$8,453
baseline
▲ 0.50% · 4.625%
HK$8,898
+HK$445/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,906/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$8,650
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,919
−HK$274/mo
Today · 4.125%
HK$9,193
baseline
▲ 0.50% · 4.625%
HK$9,752
+HK$559/mo
Deposit HK$1.26M · loan HK$1.90M · min. income ≈ HK$18,386/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$9,623
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,882
−HK$261/mo
Today · 4.125%
HK$10,143
baseline
▲ 0.50% · 4.625%
HK$10,678
+HK$535/mo
Deposit HK$1.26M · loan HK$1.90M · min. income ≈ HK$20,286/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$10,092
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,406
−HK$319/mo
Today · 4.125%
HK$10,725
baseline
▲ 0.50% · 4.625%
HK$11,378
+HK$653/mo
Deposit HK$948K · loan HK$2.21M · min. income ≈ HK$21,450/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,227
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,528
−HK$306/mo
Today · 4.125%
HK$11,834
baseline
▲ 0.50% · 4.625%
HK$12,458
+HK$624/mo
Deposit HK$948K · loan HK$2.21M · min. income ≈ HK$23,668/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,976
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,379
−HK$410/mo
Today · 4.125%
HK$13,789
baseline
▲ 0.50% · 4.625%
HK$14,628
+HK$839/mo
Deposit HK$316K · loan HK$2.85M · min. income ≈ HK$27,578/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$14,435
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,822
−HK$393/mo
Today · 4.125%
HK$15,215
baseline
▲ 0.50% · 4.625%
HK$16,017
+HK$802/mo
Deposit HK$316K · loan HK$2.85M · min. income ≈ HK$30,430/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).