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$7,211
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,435
−HK$228/mo
Today · 4.125%
HK$7,663
baseline
▲ 0.50% · 4.625%
HK$8,129
+HK$466/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,326/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$8,022
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,237
−HK$218/mo
Today · 4.125%
HK$8,455
baseline
▲ 0.50% · 4.625%
HK$8,901
+HK$446/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$8,653
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,922
−HK$273/mo
Today · 4.125%
HK$9,195
baseline
▲ 0.50% · 4.625%
HK$9,755
+HK$560/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$10,681
+HK$535/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$10,095
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,409
−HK$319/mo
Today · 4.125%
HK$10,728
baseline
▲ 0.50% · 4.625%
HK$11,381
+HK$653/mo
Deposit HK$949K · loan HK$2.21M · min. income ≈ HK$21,456/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$11,231
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,532
−HK$305/mo
Today · 4.125%
HK$11,837
baseline
▲ 0.50% · 4.625%
HK$12,461
+HK$624/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$12,979
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,383
−HK$410/mo
Today · 4.125%
HK$13,793
baseline
▲ 0.50% · 4.625%
HK$14,632
+HK$839/mo
Deposit HK$316K · loan HK$2.85M · min. income ≈ HK$27,586/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$14,439
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,827
−HK$392/mo
Today · 4.125%
HK$15,219
baseline
▲ 0.50% · 4.625%
HK$16,022
+HK$803/mo
Deposit HK$316K · loan HK$2.85M · min. income ≈ HK$30,438/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).