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$7,215
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,440
−HK$228/mo
Today · 4.125%
HK$7,668
baseline
▲ 0.50% · 4.625%
HK$8,134
+HK$466/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,336/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$8,027
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,242
−HK$218/mo
Today · 4.125%
HK$8,460
baseline
▲ 0.50% · 4.625%
HK$8,906
+HK$446/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,920/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$8,658
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,928
−HK$273/mo
Today · 4.125%
HK$9,201
baseline
▲ 0.50% · 4.625%
HK$9,761
+HK$560/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,402/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$9,632
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,891
−HK$262/mo
Today · 4.125%
HK$10,153
baseline
▲ 0.50% · 4.625%
HK$10,688
+HK$535/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,306/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$10,101
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,415
−HK$320/mo
Today · 4.125%
HK$10,735
baseline
▲ 0.50% · 4.625%
HK$11,388
+HK$653/mo
Deposit HK$949K · loan HK$2.21M · min. income ≈ HK$21,470/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,238
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,539
−HK$306/mo
Today · 4.125%
HK$11,845
baseline
▲ 0.50% · 4.625%
HK$12,469
+HK$624/mo
Deposit HK$949K · loan HK$2.21M · min. income ≈ HK$23,690/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,987
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,391
−HK$411/mo
Today · 4.125%
HK$13,802
baseline
▲ 0.50% · 4.625%
HK$14,642
+HK$840/mo
Deposit HK$316K · loan HK$2.85M · min. income ≈ HK$27,604/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$14,448
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,836
−HK$393/mo
Today · 4.125%
HK$15,229
baseline
▲ 0.50% · 4.625%
HK$16,032
+HK$803/mo
Deposit HK$316K · loan HK$2.85M · min. income ≈ HK$30,458/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).