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$7,198
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,422
−HK$227/mo
Today · 4.125%
HK$7,649
baseline
▲ 0.50% · 4.625%
HK$8,115
+HK$466/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,298/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$8,007
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,222
−HK$218/mo
Today · 4.125%
HK$8,440
baseline
▲ 0.50% · 4.625%
HK$8,885
+HK$445/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,880/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$8,637
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,906
−HK$273/mo
Today · 4.125%
HK$9,179
baseline
▲ 0.50% · 4.625%
HK$9,737
+HK$558/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,358/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$9,609
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,867
−HK$261/mo
Today · 4.125%
HK$10,128
baseline
▲ 0.50% · 4.625%
HK$10,662
+HK$534/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,256/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$10,077
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,390
−HK$319/mo
Today · 4.125%
HK$10,709
baseline
▲ 0.50% · 4.625%
HK$11,360
+HK$651/mo
Deposit HK$947K · loan HK$2.21M · min. income ≈ HK$21,418/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$11,210
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,511
−HK$305/mo
Today · 4.125%
HK$11,816
baseline
▲ 0.50% · 4.625%
HK$12,439
+HK$623/mo
Deposit HK$947K · loan HK$2.21M · min. income ≈ HK$23,632/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$12,956
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,359
−HK$409/mo
Today · 4.125%
HK$13,768
baseline
▲ 0.50% · 4.625%
HK$14,606
+HK$838/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$27,536/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$14,413
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,800
−HK$392/mo
Today · 4.125%
HK$15,192
baseline
▲ 0.50% · 4.625%
HK$15,993
+HK$801/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$30,384/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).