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$7,227
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,452
−HK$228/mo
Today · 4.125%
HK$7,680
baseline
▲ 0.50% · 4.625%
HK$8,148
+HK$468/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,360/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$8,040
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,256
−HK$219/mo
Today · 4.125%
HK$8,475
baseline
▲ 0.50% · 4.625%
HK$8,921
+HK$446/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,950/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$8,673
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,942
−HK$275/mo
Today · 4.125%
HK$9,217
baseline
▲ 0.50% · 4.625%
HK$9,777
+HK$560/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,434/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,648
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,907
−HK$263/mo
Today · 4.125%
HK$10,170
baseline
▲ 0.50% · 4.625%
HK$10,706
+HK$536/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,340/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,118
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,433
−HK$320/mo
Today · 4.125%
HK$10,753
baseline
▲ 0.50% · 4.625%
HK$11,407
+HK$654/mo
Deposit HK$951K · loan HK$2.22M · min. income ≈ HK$21,506/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,256
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,558
−HK$306/mo
Today · 4.125%
HK$11,864
baseline
▲ 0.50% · 4.625%
HK$12,490
+HK$626/mo
Deposit HK$951K · loan HK$2.22M · min. income ≈ HK$23,728/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,009
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,414
−HK$411/mo
Today · 4.125%
HK$13,825
baseline
▲ 0.50% · 4.625%
HK$14,666
+HK$841/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$27,650/mo (50% DSR)
Upfront cash ≈ HK$317K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,472
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,861
−HK$393/mo
Today · 4.125%
HK$15,254
baseline
▲ 0.50% · 4.625%
HK$16,058
+HK$804/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$30,508/mo (50% DSR)
Upfront cash ≈ HK$317K (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).