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$7,206
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,430
−HK$228/mo
Today · 4.125%
HK$7,658
baseline
▲ 0.50% · 4.625%
HK$8,124
+HK$466/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,316/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$8,017
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,232
−HK$218/mo
Today · 4.125%
HK$8,450
baseline
▲ 0.50% · 4.625%
HK$8,895
+HK$445/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,900/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$8,647
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,916
−HK$273/mo
Today · 4.125%
HK$9,189
baseline
▲ 0.50% · 4.625%
HK$9,749
+HK$560/mo
Deposit HK$1.26M · loan HK$1.90M · min. income ≈ HK$18,378/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$9,620
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,878
−HK$262/mo
Today · 4.125%
HK$10,140
baseline
▲ 0.50% · 4.625%
HK$10,674
+HK$534/mo
Deposit HK$1.26M · loan HK$1.90M · min. income ≈ HK$20,280/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$10,088
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,402
−HK$319/mo
Today · 4.125%
HK$10,721
baseline
▲ 0.50% · 4.625%
HK$11,373
+HK$652/mo
Deposit HK$948K · loan HK$2.21M · min. income ≈ HK$21,442/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$11,223
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,524
−HK$306/mo
Today · 4.125%
HK$11,830
baseline
▲ 0.50% · 4.625%
HK$12,453
+HK$623/mo
Deposit HK$948K · loan HK$2.21M · min. income ≈ HK$23,660/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$12,971
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,374
−HK$410/mo
Today · 4.125%
HK$13,784
baseline
▲ 0.50% · 4.625%
HK$14,623
+HK$839/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$27,568/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$14,430
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,817
−HK$392/mo
Today · 4.125%
HK$15,209
baseline
▲ 0.50% · 4.625%
HK$16,011
+HK$802/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$30,418/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).