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$7,207
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,431
−HK$228/mo
Today · 4.125%
HK$7,659
baseline
▲ 0.50% · 4.625%
HK$8,125
+HK$466/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,318/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$8,018
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,233
−HK$218/mo
Today · 4.125%
HK$8,451
baseline
▲ 0.50% · 4.625%
HK$8,897
+HK$446/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,902/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$8,649
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,918
−HK$273/mo
Today · 4.125%
HK$9,191
baseline
▲ 0.50% · 4.625%
HK$9,750
+HK$559/mo
Deposit HK$1.26M · loan HK$1.90M · min. income ≈ HK$18,382/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$9,622
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,880
−HK$261/mo
Today · 4.125%
HK$10,141
baseline
▲ 0.50% · 4.625%
HK$10,676
+HK$535/mo
Deposit HK$1.26M · loan HK$1.90M · min. income ≈ HK$20,282/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$10,090
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,404
−HK$319/mo
Today · 4.125%
HK$10,723
baseline
▲ 0.50% · 4.625%
HK$11,375
+HK$652/mo
Deposit HK$948K · loan HK$2.21M · min. income ≈ HK$21,446/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$11,225
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,526
−HK$306/mo
Today · 4.125%
HK$11,832
baseline
▲ 0.50% · 4.625%
HK$12,455
+HK$623/mo
Deposit HK$948K · loan HK$2.21M · min. income ≈ HK$23,664/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$12,973
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,377
−HK$410/mo
Today · 4.125%
HK$13,787
baseline
▲ 0.50% · 4.625%
HK$14,626
+HK$839/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$27,574/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$14,432
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,820
−HK$392/mo
Today · 4.125%
HK$15,212
baseline
▲ 0.50% · 4.625%
HK$16,014
+HK$802/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$30,424/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).