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$7,224
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,448
−HK$229/mo
Today · 4.125%
HK$7,677
baseline
▲ 0.50% · 4.625%
HK$8,144
+HK$467/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,354/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$8,036
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,252
−HK$218/mo
Today · 4.125%
HK$8,470
baseline
▲ 0.50% · 4.625%
HK$8,917
+HK$447/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,940/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$8,668
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,938
−HK$274/mo
Today · 4.125%
HK$9,212
baseline
▲ 0.50% · 4.625%
HK$9,773
+HK$561/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,424/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$9,643
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,902
−HK$263/mo
Today · 4.125%
HK$10,165
baseline
▲ 0.50% · 4.625%
HK$10,700
+HK$535/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,330/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$10,113
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,428
−HK$319/mo
Today · 4.125%
HK$10,747
baseline
▲ 0.50% · 4.625%
HK$11,401
+HK$654/mo
Deposit HK$950K · loan HK$2.22M · min. income ≈ HK$21,494/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,251
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,552
−HK$307/mo
Today · 4.125%
HK$11,859
baseline
▲ 0.50% · 4.625%
HK$12,484
+HK$625/mo
Deposit HK$950K · loan HK$2.22M · min. income ≈ HK$23,718/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,003
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,407
−HK$411/mo
Today · 4.125%
HK$13,818
baseline
▲ 0.50% · 4.625%
HK$14,659
+HK$841/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$27,636/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$14,465
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,853
−HK$394/mo
Today · 4.125%
HK$15,247
baseline
▲ 0.50% · 4.625%
HK$16,050
+HK$803/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$30,494/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).