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$7,201
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,425
−HK$228/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$432/mo
▼ 0.25% · 3.875%
HK$8,226
−HK$218/mo
Today · 4.125%
HK$8,444
baseline
▲ 0.50% · 4.625%
HK$8,889
+HK$445/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,888/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$9,742
+HK$558/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$519/mo
▼ 0.25% · 3.875%
HK$9,872
−HK$261/mo
Today · 4.125%
HK$10,133
baseline
▲ 0.50% · 4.625%
HK$10,667
+HK$534/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,266/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$632/mo
▼ 0.25% · 3.875%
HK$10,396
−HK$318/mo
Today · 4.125%
HK$10,714
baseline
▲ 0.50% · 4.625%
HK$11,366
+HK$652/mo
Deposit HK$947K · loan HK$2.21M · min. income ≈ HK$21,428/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$11,216
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,517
−HK$305/mo
Today · 4.125%
HK$11,822
baseline
▲ 0.50% · 4.625%
HK$12,445
+HK$623/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$812/mo
▼ 0.25% · 3.875%
HK$13,366
−HK$409/mo
Today · 4.125%
HK$13,775
baseline
▲ 0.50% · 4.625%
HK$14,614
+HK$839/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$27,550/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$16,001
+HK$801/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).