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$7,208
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,432
−HK$228/mo
Today · 4.125%
HK$7,660
baseline
▲ 0.50% · 4.625%
HK$8,126
+HK$466/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,320/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$8,018
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,234
−HK$218/mo
Today · 4.125%
HK$8,452
baseline
▲ 0.50% · 4.625%
HK$8,897
+HK$445/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,904/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$8,649
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,918
−HK$274/mo
Today · 4.125%
HK$9,192
baseline
▲ 0.50% · 4.625%
HK$9,751
+HK$559/mo
Deposit HK$1.26M · loan HK$1.90M · min. income ≈ HK$18,384/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$9,622
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,880
−HK$262/mo
Today · 4.125%
HK$10,142
baseline
▲ 0.50% · 4.625%
HK$10,677
+HK$535/mo
Deposit HK$1.26M · loan HK$1.90M · min. income ≈ HK$20,284/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$10,091
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,405
−HK$319/mo
Today · 4.125%
HK$10,724
baseline
▲ 0.50% · 4.625%
HK$11,376
+HK$652/mo
Deposit HK$948K · loan HK$2.21M · min. income ≈ HK$21,448/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$11,226
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,527
−HK$305/mo
Today · 4.125%
HK$11,832
baseline
▲ 0.50% · 4.625%
HK$12,456
+HK$624/mo
Deposit HK$948K · loan HK$2.21M · min. income ≈ HK$23,664/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$12,974
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,377
−HK$410/mo
Today · 4.125%
HK$13,787
baseline
▲ 0.50% · 4.625%
HK$14,626
+HK$839/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$27,574/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$14,433
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,820
−HK$393/mo
Today · 4.125%
HK$15,213
baseline
▲ 0.50% · 4.625%
HK$16,015
+HK$802/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$30,426/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).