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$7,202
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,426
−HK$228/mo
Today · 4.125%
HK$7,654
baseline
▲ 0.50% · 4.625%
HK$8,120
+HK$466/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,308/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$8,013
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,227
−HK$218/mo
Today · 4.125%
HK$8,445
baseline
▲ 0.50% · 4.625%
HK$8,891
+HK$446/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,890/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$8,643
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,912
−HK$273/mo
Today · 4.125%
HK$9,185
baseline
▲ 0.50% · 4.625%
HK$9,744
+HK$559/mo
Deposit HK$1.26M · loan HK$1.90M · min. income ≈ HK$18,370/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$9,615
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,873
−HK$262/mo
Today · 4.125%
HK$10,135
baseline
▲ 0.50% · 4.625%
HK$10,669
+HK$534/mo
Deposit HK$1.26M · loan HK$1.90M · min. income ≈ HK$20,270/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$10,083
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,397
−HK$319/mo
Today · 4.125%
HK$10,716
baseline
▲ 0.50% · 4.625%
HK$11,368
+HK$652/mo
Deposit HK$948K · loan HK$2.21M · min. income ≈ HK$21,432/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$11,218
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,518
−HK$306/mo
Today · 4.125%
HK$11,824
baseline
▲ 0.50% · 4.625%
HK$12,447
+HK$623/mo
Deposit HK$948K · loan HK$2.21M · min. income ≈ HK$23,648/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$12,964
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,368
−HK$409/mo
Today · 4.125%
HK$13,777
baseline
▲ 0.50% · 4.625%
HK$14,616
+HK$839/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$27,554/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$14,423
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,809
−HK$393/mo
Today · 4.125%
HK$15,202
baseline
▲ 0.50% · 4.625%
HK$16,003
+HK$801/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$30,404/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).