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$7,218
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,442
−HK$229/mo
Today · 4.125%
HK$7,671
baseline
▲ 0.50% · 4.625%
HK$8,137
+HK$466/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,342/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$8,030
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,245
−HK$219/mo
Today · 4.125%
HK$8,464
baseline
▲ 0.50% · 4.625%
HK$8,910
+HK$446/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,928/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$8,661
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,931
−HK$274/mo
Today · 4.125%
HK$9,205
baseline
▲ 0.50% · 4.625%
HK$9,765
+HK$560/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,410/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$9,636
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,894
−HK$262/mo
Today · 4.125%
HK$10,156
baseline
▲ 0.50% · 4.625%
HK$10,692
+HK$536/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,312/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$10,105
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,419
−HK$320/mo
Today · 4.125%
HK$10,739
baseline
▲ 0.50% · 4.625%
HK$11,392
+HK$653/mo
Deposit HK$950K · loan HK$2.22M · min. income ≈ HK$21,478/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$11,242
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,543
−HK$306/mo
Today · 4.125%
HK$11,849
baseline
▲ 0.50% · 4.625%
HK$12,474
+HK$625/mo
Deposit HK$950K · loan HK$2.22M · min. income ≈ HK$23,698/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$12,992
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,396
−HK$411/mo
Today · 4.125%
HK$13,807
baseline
▲ 0.50% · 4.625%
HK$14,647
+HK$840/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$27,614/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$14,454
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,841
−HK$394/mo
Today · 4.125%
HK$15,235
baseline
▲ 0.50% · 4.625%
HK$16,038
+HK$803/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$30,470/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).