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$7,209
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,434
−HK$227/mo
Today · 4.125%
HK$7,661
baseline
▲ 0.50% · 4.625%
HK$8,128
+HK$467/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,322/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$8,020
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,235
−HK$219/mo
Today · 4.125%
HK$8,454
baseline
▲ 0.50% · 4.625%
HK$8,899
+HK$445/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,908/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$8,651
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,920
−HK$274/mo
Today · 4.125%
HK$9,194
baseline
▲ 0.50% · 4.625%
HK$9,753
+HK$559/mo
Deposit HK$1.26M · loan HK$1.90M · min. income ≈ HK$18,388/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$9,624
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,883
−HK$261/mo
Today · 4.125%
HK$10,144
baseline
▲ 0.50% · 4.625%
HK$10,679
+HK$535/mo
Deposit HK$1.26M · loan HK$1.90M · min. income ≈ HK$20,288/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$10,093
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,407
−HK$319/mo
Today · 4.125%
HK$10,726
baseline
▲ 0.50% · 4.625%
HK$11,379
+HK$653/mo
Deposit HK$948K · loan HK$2.21M · min. income ≈ HK$21,452/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$11,228
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,530
−HK$305/mo
Today · 4.125%
HK$11,835
baseline
▲ 0.50% · 4.625%
HK$12,459
+HK$624/mo
Deposit HK$948K · loan HK$2.21M · min. income ≈ HK$23,670/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$12,977
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,380
−HK$411/mo
Today · 4.125%
HK$13,791
baseline
▲ 0.50% · 4.625%
HK$14,630
+HK$839/mo
Deposit HK$316K · loan HK$2.85M · min. income ≈ HK$27,582/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$14,437
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,824
−HK$393/mo
Today · 4.125%
HK$15,217
baseline
▲ 0.50% · 4.625%
HK$16,019
+HK$802/mo
Deposit HK$316K · loan HK$2.85M · min. income ≈ HK$30,434/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).