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$7,214
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,439
−HK$227/mo
Today · 4.125%
HK$7,666
baseline
▲ 0.50% · 4.625%
HK$8,133
+HK$467/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,332/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$8,026
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,241
−HK$218/mo
Today · 4.125%
HK$8,459
baseline
▲ 0.50% · 4.625%
HK$8,905
+HK$446/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,918/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$8,657
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,926
−HK$274/mo
Today · 4.125%
HK$9,200
baseline
▲ 0.50% · 4.625%
HK$9,760
+HK$560/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,400/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$9,631
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,889
−HK$262/mo
Today · 4.125%
HK$10,151
baseline
▲ 0.50% · 4.625%
HK$10,686
+HK$535/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,302/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$10,100
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,414
−HK$319/mo
Today · 4.125%
HK$10,733
baseline
▲ 0.50% · 4.625%
HK$11,386
+HK$653/mo
Deposit HK$949K · loan HK$2.21M · min. income ≈ HK$21,466/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$11,236
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,537
−HK$306/mo
Today · 4.125%
HK$11,843
baseline
▲ 0.50% · 4.625%
HK$12,467
+HK$624/mo
Deposit HK$949K · loan HK$2.21M · min. income ≈ HK$23,686/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$12,985
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,389
−HK$411/mo
Today · 4.125%
HK$13,800
baseline
▲ 0.50% · 4.625%
HK$14,639
+HK$839/mo
Deposit HK$316K · loan HK$2.85M · min. income ≈ HK$27,600/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$14,446
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,834
−HK$393/mo
Today · 4.125%
HK$15,227
baseline
▲ 0.50% · 4.625%
HK$16,029
+HK$802/mo
Deposit HK$316K · loan HK$2.85M · min. income ≈ HK$30,454/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).