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$7,201
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,425
−HK$227/mo
Today · 4.125%
HK$7,652
baseline
▲ 0.50% · 4.625%
HK$8,118
+HK$466/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,304/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$8,011
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,226
−HK$218/mo
Today · 4.125%
HK$8,444
baseline
▲ 0.50% · 4.625%
HK$8,889
+HK$445/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,888/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$8,641
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,910
−HK$273/mo
Today · 4.125%
HK$9,183
baseline
▲ 0.50% · 4.625%
HK$9,742
+HK$559/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,366/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$9,613
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,871
−HK$261/mo
Today · 4.125%
HK$10,132
baseline
▲ 0.50% · 4.625%
HK$10,666
+HK$534/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,264/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$10,081
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,395
−HK$318/mo
Today · 4.125%
HK$10,713
baseline
▲ 0.50% · 4.625%
HK$11,365
+HK$652/mo
Deposit HK$947K · loan HK$2.21M · min. income ≈ HK$21,426/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$11,215
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,516
−HK$305/mo
Today · 4.125%
HK$11,821
baseline
▲ 0.50% · 4.625%
HK$12,444
+HK$623/mo
Deposit HK$947K · loan HK$2.21M · min. income ≈ HK$23,642/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$12,962
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,365
−HK$409/mo
Today · 4.125%
HK$13,774
baseline
▲ 0.50% · 4.625%
HK$14,612
+HK$838/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$27,548/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$14,420
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,806
−HK$393/mo
Today · 4.125%
HK$15,199
baseline
▲ 0.50% · 4.625%
HK$16,000
+HK$801/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$30,398/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).