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$7,203
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,428
−HK$227/mo
Today · 4.125%
HK$7,655
baseline
▲ 0.50% · 4.625%
HK$8,121
+HK$466/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,310/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$8,014
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,229
−HK$218/mo
Today · 4.125%
HK$8,447
baseline
▲ 0.50% · 4.625%
HK$8,892
+HK$445/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,894/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$8,644
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,913
−HK$273/mo
Today · 4.125%
HK$9,186
baseline
▲ 0.50% · 4.625%
HK$9,745
+HK$559/mo
Deposit HK$1.26M · loan HK$1.90M · min. income ≈ HK$18,372/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$9,617
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,874
−HK$262/mo
Today · 4.125%
HK$10,136
baseline
▲ 0.50% · 4.625%
HK$10,670
+HK$534/mo
Deposit HK$1.26M · loan HK$1.90M · min. income ≈ HK$20,272/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$10,085
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,399
−HK$318/mo
Today · 4.125%
HK$10,717
baseline
▲ 0.50% · 4.625%
HK$11,369
+HK$652/mo
Deposit HK$948K · loan HK$2.21M · min. income ≈ HK$21,434/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,219
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,520
−HK$305/mo
Today · 4.125%
HK$11,825
baseline
▲ 0.50% · 4.625%
HK$12,449
+HK$624/mo
Deposit HK$948K · loan HK$2.21M · min. income ≈ HK$23,650/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,966
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,370
−HK$409/mo
Today · 4.125%
HK$13,779
baseline
▲ 0.50% · 4.625%
HK$14,618
+HK$839/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$27,558/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$14,425
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,812
−HK$392/mo
Today · 4.125%
HK$15,204
baseline
▲ 0.50% · 4.625%
HK$16,006
+HK$802/mo
Deposit HK$316K · loan HK$2.84M · min. income ≈ HK$30,408/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).