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$7,221
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,445
−HK$229/mo
Today · 4.125%
HK$7,674
baseline
▲ 0.50% · 4.625%
HK$8,141
+HK$467/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,348/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$8,033
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,249
−HK$218/mo
Today · 4.125%
HK$8,467
baseline
▲ 0.50% · 4.625%
HK$8,913
+HK$446/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,934/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$8,665
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,935
−HK$273/mo
Today · 4.125%
HK$9,208
baseline
▲ 0.50% · 4.625%
HK$9,769
+HK$561/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,416/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$9,640
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,898
−HK$263/mo
Today · 4.125%
HK$10,161
baseline
▲ 0.50% · 4.625%
HK$10,696
+HK$535/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,322/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$10,109
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,424
−HK$319/mo
Today · 4.125%
HK$10,743
baseline
▲ 0.50% · 4.625%
HK$11,397
+HK$654/mo
Deposit HK$950K · loan HK$2.22M · min. income ≈ HK$21,486/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,246
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,548
−HK$306/mo
Today · 4.125%
HK$11,854
baseline
▲ 0.50% · 4.625%
HK$12,479
+HK$625/mo
Deposit HK$950K · loan HK$2.22M · min. income ≈ HK$23,708/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,998
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,402
−HK$411/mo
Today · 4.125%
HK$13,813
baseline
▲ 0.50% · 4.625%
HK$14,653
+HK$840/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$27,626/mo (50% DSR)
Upfront cash ≈ HK$317K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,460
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,847
−HK$394/mo
Today · 4.125%
HK$15,241
baseline
▲ 0.50% · 4.625%
HK$16,044
+HK$803/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$30,482/mo (50% DSR)
Upfront cash ≈ HK$317K (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).