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$7,224
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,449
−HK$228/mo
Today · 4.125%
HK$7,677
baseline
▲ 0.50% · 4.625%
HK$8,145
+HK$468/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,354/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$8,037
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,253
−HK$218/mo
Today · 4.125%
HK$8,471
baseline
▲ 0.50% · 4.625%
HK$8,918
+HK$447/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,942/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$8,669
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,939
−HK$274/mo
Today · 4.125%
HK$9,213
baseline
▲ 0.50% · 4.625%
HK$9,774
+HK$561/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,426/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$9,644
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,903
−HK$263/mo
Today · 4.125%
HK$10,166
baseline
▲ 0.50% · 4.625%
HK$10,701
+HK$535/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,332/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$10,114
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,429
−HK$319/mo
Today · 4.125%
HK$10,748
baseline
▲ 0.50% · 4.625%
HK$11,402
+HK$654/mo
Deposit HK$950K · loan HK$2.22M · min. income ≈ HK$21,496/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$11,252
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,554
−HK$306/mo
Today · 4.125%
HK$11,860
baseline
▲ 0.50% · 4.625%
HK$12,485
+HK$625/mo
Deposit HK$950K · loan HK$2.22M · min. income ≈ HK$23,720/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$13,004
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,408
−HK$411/mo
Today · 4.125%
HK$13,819
baseline
▲ 0.50% · 4.625%
HK$14,660
+HK$841/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$27,638/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$14,467
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,855
−HK$393/mo
Today · 4.125%
HK$15,248
baseline
▲ 0.50% · 4.625%
HK$16,052
+HK$804/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$30,496/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).