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$453/mo
▼ 0.25% · 3.875%
HK$7,447
−HK$228/mo
Today · 4.125%
HK$7,675
baseline
▲ 0.50% · 4.625%
HK$8,142
+HK$467/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,350/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$8,035
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,250
−HK$219/mo
Today · 4.125%
HK$8,469
baseline
▲ 0.50% · 4.625%
HK$8,915
+HK$446/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,938/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$8,667
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,936
−HK$274/mo
Today · 4.125%
HK$9,210
baseline
▲ 0.50% · 4.625%
HK$9,771
+HK$561/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,420/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$9,642
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,900
−HK$263/mo
Today · 4.125%
HK$10,163
baseline
▲ 0.50% · 4.625%
HK$10,698
+HK$535/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,326/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$10,111
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,426
−HK$319/mo
Today · 4.125%
HK$10,745
baseline
▲ 0.50% · 4.625%
HK$11,399
+HK$654/mo
Deposit HK$950K · loan HK$2.22M · min. income ≈ HK$21,490/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$11,249
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,550
−HK$306/mo
Today · 4.125%
HK$11,856
baseline
▲ 0.50% · 4.625%
HK$12,481
+HK$625/mo
Deposit HK$950K · loan HK$2.22M · min. income ≈ HK$23,712/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$13,000
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,404
−HK$411/mo
Today · 4.125%
HK$13,815
baseline
▲ 0.50% · 4.625%
HK$14,656
+HK$841/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$27,630/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$14,462
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,850
−HK$394/mo
Today · 4.125%
HK$15,244
baseline
▲ 0.50% · 4.625%
HK$16,047
+HK$803/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$30,488/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).