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$7,217
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,441
−HK$228/mo
Today · 4.125%
HK$7,669
baseline
▲ 0.50% · 4.625%
HK$8,136
+HK$467/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$8,244
−HK$218/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$8,660
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,929
−HK$274/mo
Today · 4.125%
HK$9,203
baseline
▲ 0.50% · 4.625%
HK$9,763
+HK$560/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,406/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$521/mo
▼ 0.25% · 3.875%
HK$9,892
−HK$263/mo
Today · 4.125%
HK$10,155
baseline
▲ 0.50% · 4.625%
HK$10,690
+HK$535/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,310/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$634/mo
▼ 0.25% · 3.875%
HK$10,418
−HK$319/mo
Today · 4.125%
HK$10,737
baseline
▲ 0.50% · 4.625%
HK$11,390
+HK$653/mo
Deposit HK$949K · loan HK$2.22M · min. income ≈ HK$21,474/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$11,240
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,541
−HK$306/mo
Today · 4.125%
HK$11,847
baseline
▲ 0.50% · 4.625%
HK$12,471
+HK$624/mo
Deposit HK$949K · loan HK$2.22M · min. income ≈ HK$23,694/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$12,990
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,394
−HK$410/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$14,451
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,839
−HK$393/mo
Today · 4.125%
HK$15,232
baseline
▲ 0.50% · 4.625%
HK$16,035
+HK$803/mo
Deposit HK$316K · loan HK$2.85M · min. income ≈ HK$30,464/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).