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$7,197
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,421
−HK$228/mo
Today · 4.125%
HK$7,649
baseline
▲ 0.50% · 4.625%
HK$8,114
+HK$465/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,298/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$8,007
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,222
−HK$217/mo
Today · 4.125%
HK$8,439
baseline
▲ 0.50% · 4.625%
HK$8,884
+HK$445/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,878/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$8,637
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,905
−HK$273/mo
Today · 4.125%
HK$9,178
baseline
▲ 0.50% · 4.625%
HK$9,737
+HK$559/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,356/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$9,608
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,866
−HK$261/mo
Today · 4.125%
HK$10,127
baseline
▲ 0.50% · 4.625%
HK$10,661
+HK$534/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,254/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$10,076
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,390
−HK$318/mo
Today · 4.125%
HK$10,708
baseline
▲ 0.50% · 4.625%
HK$11,360
+HK$652/mo
Deposit HK$947K · loan HK$2.21M · min. income ≈ HK$21,416/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$11,210
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,510
−HK$305/mo
Today · 4.125%
HK$11,815
baseline
▲ 0.50% · 4.625%
HK$12,438
+HK$623/mo
Deposit HK$947K · loan HK$2.21M · min. income ≈ HK$23,630/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$12,955
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,358
−HK$409/mo
Today · 4.125%
HK$13,767
baseline
▲ 0.50% · 4.625%
HK$14,605
+HK$838/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$27,534/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$14,412
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,799
−HK$392/mo
Today · 4.125%
HK$15,191
baseline
▲ 0.50% · 4.625%
HK$15,992
+HK$801/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$30,382/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).