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$7,228
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,453
−HK$228/mo
Today · 4.125%
HK$7,681
baseline
▲ 0.50% · 4.625%
HK$8,149
+HK$468/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,362/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,041
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,257
−HK$218/mo
Today · 4.125%
HK$8,475
baseline
▲ 0.50% · 4.625%
HK$8,922
+HK$447/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,950/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,674
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,943
−HK$274/mo
Today · 4.125%
HK$9,217
baseline
▲ 0.50% · 4.625%
HK$9,778
+HK$561/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,434/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,649
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,908
−HK$263/mo
Today · 4.125%
HK$10,171
baseline
▲ 0.50% · 4.625%
HK$10,707
+HK$536/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,342/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,119
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,434
−HK$320/mo
Today · 4.125%
HK$10,754
baseline
▲ 0.50% · 4.625%
HK$11,408
+HK$654/mo
Deposit HK$951K · loan HK$2.22M · min. income ≈ HK$21,508/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,257
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,559
−HK$307/mo
Today · 4.125%
HK$11,866
baseline
▲ 0.50% · 4.625%
HK$12,491
+HK$625/mo
Deposit HK$951K · loan HK$2.22M · min. income ≈ HK$23,732/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,010
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,415
−HK$411/mo
Today · 4.125%
HK$13,826
baseline
▲ 0.50% · 4.625%
HK$14,668
+HK$842/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$27,652/mo (50% DSR)
Upfront cash ≈ HK$317K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,474
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,862
−HK$394/mo
Today · 4.125%
HK$15,256
baseline
▲ 0.50% · 4.625%
HK$16,060
+HK$804/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$30,512/mo (50% DSR)
Upfront cash ≈ HK$317K (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).