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$7,212
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,436
−HK$228/mo
Today · 4.125%
HK$7,664
baseline
▲ 0.50% · 4.625%
HK$8,130
+HK$466/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,328/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$8,023
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,238
−HK$219/mo
Today · 4.125%
HK$8,457
baseline
▲ 0.50% · 4.625%
HK$8,902
+HK$445/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,914/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$8,654
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,923
−HK$274/mo
Today · 4.125%
HK$9,197
baseline
▲ 0.50% · 4.625%
HK$9,757
+HK$560/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,394/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$9,628
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,886
−HK$262/mo
Today · 4.125%
HK$10,148
baseline
▲ 0.50% · 4.625%
HK$10,683
+HK$535/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,296/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$10,097
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,411
−HK$319/mo
Today · 4.125%
HK$10,730
baseline
▲ 0.50% · 4.625%
HK$11,383
+HK$653/mo
Deposit HK$949K · loan HK$2.21M · min. income ≈ HK$21,460/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$11,232
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,534
−HK$305/mo
Today · 4.125%
HK$11,839
baseline
▲ 0.50% · 4.625%
HK$12,463
+HK$624/mo
Deposit HK$949K · loan HK$2.21M · min. income ≈ HK$23,678/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$12,981
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,385
−HK$410/mo
Today · 4.125%
HK$13,795
baseline
▲ 0.50% · 4.625%
HK$14,635
+HK$840/mo
Deposit HK$316K · loan HK$2.85M · min. income ≈ HK$27,590/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$14,442
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,829
−HK$393/mo
Today · 4.125%
HK$15,222
baseline
▲ 0.50% · 4.625%
HK$16,024
+HK$802/mo
Deposit HK$316K · loan HK$2.85M · min. income ≈ HK$30,444/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).