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$8,019
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,234
−HK$218/mo
Today · 4.125%
HK$8,452
baseline
▲ 0.50% · 4.625%
HK$8,898
+HK$446/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$8,650
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,919
−HK$273/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$9,623
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,881
−HK$262/mo
Today · 4.125%
HK$10,143
baseline
▲ 0.50% · 4.625%
HK$10,677
+HK$534/mo
Deposit HK$1.26M · loan HK$1.90M · min. income ≈ HK$20,286/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$11,377
+HK$653/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$607/mo
▼ 0.25% · 3.875%
HK$11,527
−HK$306/mo
Today · 4.125%
HK$11,833
baseline
▲ 0.50% · 4.625%
HK$12,457
+HK$624/mo
Deposit HK$948K · loan HK$2.21M · min. income ≈ HK$23,666/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$814/mo
▼ 0.25% · 3.875%
HK$13,378
−HK$410/mo
Today · 4.125%
HK$13,788
baseline
▲ 0.50% · 4.625%
HK$14,627
+HK$839/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$27,576/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$14,434
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,821
−HK$393/mo
Today · 4.125%
HK$15,214
baseline
▲ 0.50% · 4.625%
HK$16,016
+HK$802/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$30,428/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).