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$7,196
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,420
−HK$228/mo
Today · 4.125%
HK$7,648
baseline
▲ 0.50% · 4.625%
HK$8,113
+HK$465/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,296/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$8,006
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,220
−HK$218/mo
Today · 4.125%
HK$8,438
baseline
▲ 0.50% · 4.625%
HK$8,883
+HK$445/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,876/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$8,636
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,904
−HK$273/mo
Today · 4.125%
HK$9,177
baseline
▲ 0.50% · 4.625%
HK$9,735
+HK$558/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,354/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$9,607
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,865
−HK$261/mo
Today · 4.125%
HK$10,126
baseline
▲ 0.50% · 4.625%
HK$10,660
+HK$534/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,252/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$10,075
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,388
−HK$319/mo
Today · 4.125%
HK$10,707
baseline
▲ 0.50% · 4.625%
HK$11,358
+HK$651/mo
Deposit HK$947K · loan HK$2.21M · min. income ≈ HK$21,414/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$11,208
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,509
−HK$305/mo
Today · 4.125%
HK$11,814
baseline
▲ 0.50% · 4.625%
HK$12,436
+HK$622/mo
Deposit HK$947K · loan HK$2.21M · min. income ≈ HK$23,628/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$12,953
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,356
−HK$410/mo
Today · 4.125%
HK$13,766
baseline
▲ 0.50% · 4.625%
HK$14,603
+HK$837/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$27,532/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$14,410
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,797
−HK$392/mo
Today · 4.125%
HK$15,189
baseline
▲ 0.50% · 4.625%
HK$15,990
+HK$801/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$30,378/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).