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$7,205
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,429
−HK$228/mo
Today · 4.125%
HK$7,657
baseline
▲ 0.50% · 4.625%
HK$8,123
+HK$466/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,314/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$8,015
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,230
−HK$218/mo
Today · 4.125%
HK$8,448
baseline
▲ 0.50% · 4.625%
HK$8,894
+HK$446/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,896/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$8,646
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,915
−HK$273/mo
Today · 4.125%
HK$9,188
baseline
▲ 0.50% · 4.625%
HK$9,747
+HK$559/mo
Deposit HK$1.26M · loan HK$1.90M · min. income ≈ HK$18,376/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$9,618
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,876
−HK$262/mo
Today · 4.125%
HK$10,138
baseline
▲ 0.50% · 4.625%
HK$10,672
+HK$534/mo
Deposit HK$1.26M · loan HK$1.90M · min. income ≈ HK$20,276/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$10,087
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,401
−HK$318/mo
Today · 4.125%
HK$10,719
baseline
▲ 0.50% · 4.625%
HK$11,372
+HK$653/mo
Deposit HK$948K · loan HK$2.21M · min. income ≈ HK$21,438/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$11,221
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,522
−HK$306/mo
Today · 4.125%
HK$11,828
baseline
▲ 0.50% · 4.625%
HK$12,451
+HK$623/mo
Deposit HK$948K · loan HK$2.21M · min. income ≈ HK$23,656/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$12,969
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,372
−HK$410/mo
Today · 4.125%
HK$13,782
baseline
▲ 0.50% · 4.625%
HK$14,621
+HK$839/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$27,564/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$14,428
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,815
−HK$392/mo
Today · 4.125%
HK$15,207
baseline
▲ 0.50% · 4.625%
HK$16,009
+HK$802/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$30,414/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).