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$7,195
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,419
−HK$227/mo
Today · 4.125%
HK$7,646
baseline
▲ 0.50% · 4.625%
HK$8,112
+HK$466/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,292/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$8,005
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,219
−HK$218/mo
Today · 4.125%
HK$8,437
baseline
▲ 0.50% · 4.625%
HK$8,882
+HK$445/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,874/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$8,634
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,903
−HK$273/mo
Today · 4.125%
HK$9,176
baseline
▲ 0.50% · 4.625%
HK$9,734
+HK$558/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,352/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$9,606
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,863
−HK$262/mo
Today · 4.125%
HK$10,125
baseline
▲ 0.50% · 4.625%
HK$10,658
+HK$533/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,250/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$10,073
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,387
−HK$318/mo
Today · 4.125%
HK$10,705
baseline
▲ 0.50% · 4.625%
HK$11,356
+HK$651/mo
Deposit HK$947K · loan HK$2.21M · min. income ≈ HK$21,410/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,207
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,507
−HK$305/mo
Today · 4.125%
HK$11,812
baseline
▲ 0.50% · 4.625%
HK$12,435
+HK$623/mo
Deposit HK$947K · loan HK$2.21M · min. income ≈ HK$23,624/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,952
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,354
−HK$410/mo
Today · 4.125%
HK$13,764
baseline
▲ 0.50% · 4.625%
HK$14,601
+HK$837/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$27,528/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$14,408
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,795
−HK$392/mo
Today · 4.125%
HK$15,187
baseline
▲ 0.50% · 4.625%
HK$15,987
+HK$800/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$30,374/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).