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$452/mo
▼ 0.25% · 3.875%
HK$7,424
−HK$228/mo
Today · 4.125%
HK$7,652
baseline
▲ 0.50% · 4.625%
HK$8,117
+HK$465/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,304/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$433/mo
▼ 0.25% · 3.875%
HK$8,225
−HK$218/mo
Today · 4.125%
HK$8,443
baseline
▲ 0.50% · 4.625%
HK$8,888
+HK$445/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,886/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$542/mo
▼ 0.25% · 3.875%
HK$8,909
−HK$273/mo
Today · 4.125%
HK$9,182
baseline
▲ 0.50% · 4.625%
HK$9,741
+HK$559/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,364/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$9,612
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,870
−HK$262/mo
Today · 4.125%
HK$10,132
baseline
▲ 0.50% · 4.625%
HK$10,666
+HK$534/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,264/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$10,080
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,394
−HK$319/mo
Today · 4.125%
HK$10,713
baseline
▲ 0.50% · 4.625%
HK$11,364
+HK$651/mo
Deposit HK$947K · loan HK$2.21M · min. income ≈ HK$21,426/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$11,214
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,515
−HK$305/mo
Today · 4.125%
HK$11,820
baseline
▲ 0.50% · 4.625%
HK$12,443
+HK$623/mo
Deposit HK$947K · loan HK$2.21M · min. income ≈ HK$23,640/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$12,961
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,364
−HK$409/mo
Today · 4.125%
HK$13,773
baseline
▲ 0.50% · 4.625%
HK$14,611
+HK$838/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$27,546/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$14,418
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,805
−HK$392/mo
Today · 4.125%
HK$15,197
baseline
▲ 0.50% · 4.625%
HK$15,999
+HK$802/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$30,394/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).