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$7,213
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,437
−HK$228/mo
Today · 4.125%
HK$7,665
baseline
▲ 0.50% · 4.625%
HK$8,132
+HK$467/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,330/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$8,025
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,240
−HK$218/mo
Today · 4.125%
HK$8,458
baseline
▲ 0.50% · 4.625%
HK$8,904
+HK$446/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,916/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$8,656
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,925
−HK$274/mo
Today · 4.125%
HK$9,199
baseline
▲ 0.50% · 4.625%
HK$9,758
+HK$559/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,398/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$9,629
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,888
−HK$262/mo
Today · 4.125%
HK$10,150
baseline
▲ 0.50% · 4.625%
HK$10,685
+HK$535/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,300/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$10,098
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,412
−HK$320/mo
Today · 4.125%
HK$10,732
baseline
▲ 0.50% · 4.625%
HK$11,385
+HK$653/mo
Deposit HK$949K · loan HK$2.21M · min. income ≈ HK$21,464/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,234
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,536
−HK$305/mo
Today · 4.125%
HK$11,841
baseline
▲ 0.50% · 4.625%
HK$12,465
+HK$624/mo
Deposit HK$949K · loan HK$2.21M · min. income ≈ HK$23,682/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,984
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,387
−HK$411/mo
Today · 4.125%
HK$13,798
baseline
▲ 0.50% · 4.625%
HK$14,637
+HK$839/mo
Deposit HK$316K · loan HK$2.85M · min. income ≈ HK$27,596/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$14,444
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,832
−HK$393/mo
Today · 4.125%
HK$15,225
baseline
▲ 0.50% · 4.625%
HK$16,027
+HK$802/mo
Deposit HK$316K · loan HK$2.85M · min. income ≈ HK$30,450/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).