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$7,216
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,441
−HK$228/mo
Today · 4.125%
HK$7,669
baseline
▲ 0.50% · 4.625%
HK$8,135
+HK$466/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,338/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$8,028
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,243
−HK$219/mo
Today · 4.125%
HK$8,462
baseline
▲ 0.50% · 4.625%
HK$8,908
+HK$446/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,924/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$8,659
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,929
−HK$273/mo
Today · 4.125%
HK$9,202
baseline
▲ 0.50% · 4.625%
HK$9,762
+HK$560/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,404/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$9,634
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,892
−HK$262/mo
Today · 4.125%
HK$10,154
baseline
▲ 0.50% · 4.625%
HK$10,689
+HK$535/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,308/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$10,103
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,417
−HK$319/mo
Today · 4.125%
HK$10,736
baseline
▲ 0.50% · 4.625%
HK$11,389
+HK$653/mo
Deposit HK$949K · loan HK$2.22M · min. income ≈ HK$21,472/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,239
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,541
−HK$305/mo
Today · 4.125%
HK$11,846
baseline
▲ 0.50% · 4.625%
HK$12,471
+HK$625/mo
Deposit HK$949K · loan HK$2.22M · min. income ≈ HK$23,692/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,989
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,393
−HK$411/mo
Today · 4.125%
HK$13,804
baseline
▲ 0.50% · 4.625%
HK$14,644
+HK$840/mo
Deposit HK$316K · loan HK$2.85M · min. income ≈ HK$27,608/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$14,450
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,838
−HK$393/mo
Today · 4.125%
HK$15,231
baseline
▲ 0.50% · 4.625%
HK$16,034
+HK$803/mo
Deposit HK$316K · loan HK$2.85M · min. income ≈ HK$30,462/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).