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$7,210
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,435
−HK$227/mo
Today · 4.125%
HK$7,662
baseline
▲ 0.50% · 4.625%
HK$8,129
+HK$467/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,324/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$8,021
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,236
−HK$219/mo
Today · 4.125%
HK$8,455
baseline
▲ 0.50% · 4.625%
HK$8,900
+HK$445/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,910/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$8,652
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,921
−HK$274/mo
Today · 4.125%
HK$9,195
baseline
▲ 0.50% · 4.625%
HK$9,754
+HK$559/mo
Deposit HK$1.26M · loan HK$1.90M · min. income ≈ HK$18,390/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$9,626
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,884
−HK$262/mo
Today · 4.125%
HK$10,146
baseline
▲ 0.50% · 4.625%
HK$10,680
+HK$534/mo
Deposit HK$1.26M · loan HK$1.90M · min. income ≈ HK$20,292/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$10,094
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,408
−HK$319/mo
Today · 4.125%
HK$10,727
baseline
▲ 0.50% · 4.625%
HK$11,380
+HK$653/mo
Deposit HK$949K · loan HK$2.21M · min. income ≈ HK$21,454/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$11,230
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,531
−HK$306/mo
Today · 4.125%
HK$11,837
baseline
▲ 0.50% · 4.625%
HK$12,460
+HK$623/mo
Deposit HK$949K · loan HK$2.21M · min. income ≈ HK$23,674/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$12,978
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,382
−HK$410/mo
Today · 4.125%
HK$13,792
baseline
▲ 0.50% · 4.625%
HK$14,632
+HK$840/mo
Deposit HK$316K · loan HK$2.85M · min. income ≈ HK$27,584/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$14,438
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,826
−HK$392/mo
Today · 4.125%
HK$15,218
baseline
▲ 0.50% · 4.625%
HK$16,021
+HK$803/mo
Deposit HK$316K · loan HK$2.85M · min. income ≈ HK$30,436/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).