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$7,226
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,451
−HK$228/mo
Today · 4.125%
HK$7,679
baseline
▲ 0.50% · 4.625%
HK$8,146
+HK$467/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,358/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$8,039
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,254
−HK$219/mo
Today · 4.125%
HK$8,473
baseline
▲ 0.50% · 4.625%
HK$8,920
+HK$447/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,946/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$8,671
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,941
−HK$274/mo
Today · 4.125%
HK$9,215
baseline
▲ 0.50% · 4.625%
HK$9,776
+HK$561/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,430/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$9,647
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,905
−HK$263/mo
Today · 4.125%
HK$10,168
baseline
▲ 0.50% · 4.625%
HK$10,704
+HK$536/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,336/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$10,116
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,431
−HK$320/mo
Today · 4.125%
HK$10,751
baseline
▲ 0.50% · 4.625%
HK$11,405
+HK$654/mo
Deposit HK$951K · loan HK$2.22M · min. income ≈ HK$21,502/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$11,254
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,556
−HK$306/mo
Today · 4.125%
HK$11,862
baseline
▲ 0.50% · 4.625%
HK$12,488
+HK$626/mo
Deposit HK$951K · loan HK$2.22M · min. income ≈ HK$23,724/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$13,007
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,411
−HK$411/mo
Today · 4.125%
HK$13,822
baseline
▲ 0.50% · 4.625%
HK$14,663
+HK$841/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$27,644/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$14,470
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,858
−HK$394/mo
Today · 4.125%
HK$15,252
baseline
▲ 0.50% · 4.625%
HK$16,055
+HK$803/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$30,504/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).