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$451/mo
▼ 0.25% · 3.875%
HK$7,426
−HK$227/mo
Today · 4.125%
HK$7,653
baseline
▲ 0.50% · 4.625%
HK$8,119
+HK$466/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,306/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$8,012
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,227
−HK$218/mo
Today · 4.125%
HK$8,445
baseline
▲ 0.50% · 4.625%
HK$8,890
+HK$445/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$8,642
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,911
−HK$273/mo
Today · 4.125%
HK$9,184
baseline
▲ 0.50% · 4.625%
HK$9,743
+HK$559/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,368/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$9,614
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,872
−HK$262/mo
Today · 4.125%
HK$10,134
baseline
▲ 0.50% · 4.625%
HK$10,668
+HK$534/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,268/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$10,082
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,396
−HK$319/mo
Today · 4.125%
HK$10,715
baseline
▲ 0.50% · 4.625%
HK$11,367
+HK$652/mo
Deposit HK$947K · loan HK$2.21M · min. income ≈ HK$21,430/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$11,217
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,517
−HK$305/mo
Today · 4.125%
HK$11,822
baseline
▲ 0.50% · 4.625%
HK$12,446
+HK$624/mo
Deposit HK$947K · loan HK$2.21M · min. income ≈ HK$23,644/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$12,963
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,366
−HK$410/mo
Today · 4.125%
HK$13,776
baseline
▲ 0.50% · 4.625%
HK$14,614
+HK$838/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$27,552/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$14,421
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,808
−HK$392/mo
Today · 4.125%
HK$15,200
baseline
▲ 0.50% · 4.625%
HK$16,002
+HK$802/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$30,400/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).