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$7,196
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,419
−HK$228/mo
Today · 4.125%
HK$7,647
baseline
▲ 0.50% · 4.625%
HK$8,112
+HK$465/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,294/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$433/mo
▼ 0.25% · 3.875%
HK$8,220
−HK$218/mo
Today · 4.125%
HK$8,438
baseline
▲ 0.50% · 4.625%
HK$8,882
+HK$444/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,876/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$8,635
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,903
−HK$273/mo
Today · 4.125%
HK$9,176
baseline
▲ 0.50% · 4.625%
HK$9,735
+HK$559/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$9,864
−HK$261/mo
Today · 4.125%
HK$10,125
baseline
▲ 0.50% · 4.625%
HK$10,659
+HK$534/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$10,074
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,387
−HK$319/mo
Today · 4.125%
HK$10,706
baseline
▲ 0.50% · 4.625%
HK$11,357
+HK$651/mo
Deposit HK$947K · loan HK$2.21M · min. income ≈ HK$21,412/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$606/mo
▼ 0.25% · 3.875%
HK$11,508
−HK$305/mo
Today · 4.125%
HK$11,813
baseline
▲ 0.50% · 4.625%
HK$12,435
+HK$622/mo
Deposit HK$947K · loan HK$2.21M · min. income ≈ HK$23,626/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$13,355
−HK$409/mo
Today · 4.125%
HK$13,764
baseline
▲ 0.50% · 4.625%
HK$14,602
+HK$838/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$14,409
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,796
−HK$392/mo
Today · 4.125%
HK$15,188
baseline
▲ 0.50% · 4.625%
HK$15,988
+HK$800/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$30,376/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).