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$7,199
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,423
−HK$227/mo
Today · 4.125%
HK$7,650
baseline
▲ 0.50% · 4.625%
HK$8,116
+HK$466/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,300/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$8,008
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,223
−HK$218/mo
Today · 4.125%
HK$8,441
baseline
▲ 0.50% · 4.625%
HK$8,886
+HK$445/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,882/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$8,638
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,907
−HK$273/mo
Today · 4.125%
HK$9,180
baseline
▲ 0.50% · 4.625%
HK$9,739
+HK$559/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,360/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$9,610
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,868
−HK$261/mo
Today · 4.125%
HK$10,129
baseline
▲ 0.50% · 4.625%
HK$10,663
+HK$534/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,258/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$10,078
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,392
−HK$318/mo
Today · 4.125%
HK$10,710
baseline
▲ 0.50% · 4.625%
HK$11,362
+HK$652/mo
Deposit HK$947K · loan HK$2.21M · min. income ≈ HK$21,420/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$11,212
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,512
−HK$305/mo
Today · 4.125%
HK$11,817
baseline
▲ 0.50% · 4.625%
HK$12,440
+HK$623/mo
Deposit HK$947K · loan HK$2.21M · min. income ≈ HK$23,634/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$12,958
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,361
−HK$409/mo
Today · 4.125%
HK$13,770
baseline
▲ 0.50% · 4.625%
HK$14,608
+HK$838/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$27,540/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$14,415
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,802
−HK$392/mo
Today · 4.125%
HK$15,194
baseline
▲ 0.50% · 4.625%
HK$15,995
+HK$801/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$30,388/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).