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$7,222
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,446
−HK$228/mo
Today · 4.125%
HK$7,674
baseline
▲ 0.50% · 4.625%
HK$8,141
+HK$467/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,348/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$8,034
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,249
−HK$219/mo
Today · 4.125%
HK$8,468
baseline
▲ 0.50% · 4.625%
HK$8,914
+HK$446/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,936/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$8,666
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,935
−HK$274/mo
Today · 4.125%
HK$9,209
baseline
▲ 0.50% · 4.625%
HK$9,770
+HK$561/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,418/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$9,641
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,899
−HK$263/mo
Today · 4.125%
HK$10,162
baseline
▲ 0.50% · 4.625%
HK$10,697
+HK$535/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,324/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$10,110
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,425
−HK$319/mo
Today · 4.125%
HK$10,744
baseline
▲ 0.50% · 4.625%
HK$11,398
+HK$654/mo
Deposit HK$950K · loan HK$2.22M · min. income ≈ HK$21,488/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$11,247
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,549
−HK$306/mo
Today · 4.125%
HK$11,855
baseline
▲ 0.50% · 4.625%
HK$12,480
+HK$625/mo
Deposit HK$950K · loan HK$2.22M · min. income ≈ HK$23,710/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$12,999
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,403
−HK$411/mo
Today · 4.125%
HK$13,814
baseline
▲ 0.50% · 4.625%
HK$14,654
+HK$840/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$27,628/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$14,461
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,849
−HK$393/mo
Today · 4.125%
HK$15,242
baseline
▲ 0.50% · 4.625%
HK$16,046
+HK$804/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$30,484/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).