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$7,205
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,429
−HK$228/mo
Today · 4.125%
HK$7,657
baseline
▲ 0.50% · 4.625%
HK$8,123
+HK$466/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,314/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$8,016
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,231
−HK$218/mo
Today · 4.125%
HK$8,449
baseline
▲ 0.50% · 4.625%
HK$8,894
+HK$445/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,898/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$8,646
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,915
−HK$274/mo
Today · 4.125%
HK$9,189
baseline
▲ 0.50% · 4.625%
HK$9,748
+HK$559/mo
Deposit HK$1.26M · loan HK$1.90M · min. income ≈ HK$18,378/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$9,619
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,877
−HK$262/mo
Today · 4.125%
HK$10,139
baseline
▲ 0.50% · 4.625%
HK$10,673
+HK$534/mo
Deposit HK$1.26M · loan HK$1.90M · min. income ≈ HK$20,278/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$10,087
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,401
−HK$319/mo
Today · 4.125%
HK$10,720
baseline
▲ 0.50% · 4.625%
HK$11,372
+HK$652/mo
Deposit HK$948K · loan HK$2.21M · min. income ≈ HK$21,440/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$11,222
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,523
−HK$306/mo
Today · 4.125%
HK$11,829
baseline
▲ 0.50% · 4.625%
HK$12,452
+HK$623/mo
Deposit HK$948K · loan HK$2.21M · min. income ≈ HK$23,658/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$12,970
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,373
−HK$410/mo
Today · 4.125%
HK$13,783
baseline
▲ 0.50% · 4.625%
HK$14,622
+HK$839/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$27,566/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$14,429
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,816
−HK$392/mo
Today · 4.125%
HK$15,208
baseline
▲ 0.50% · 4.625%
HK$16,010
+HK$802/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$30,416/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).