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$7,217
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,442
−HK$228/mo
Today · 4.125%
HK$7,670
baseline
▲ 0.50% · 4.625%
HK$8,136
+HK$466/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,340/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$8,029
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,244
−HK$219/mo
Today · 4.125%
HK$8,463
baseline
▲ 0.50% · 4.625%
HK$8,909
+HK$446/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,926/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$8,660
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,930
−HK$274/mo
Today · 4.125%
HK$9,204
baseline
▲ 0.50% · 4.625%
HK$9,764
+HK$560/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,408/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$9,635
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,893
−HK$262/mo
Today · 4.125%
HK$10,155
baseline
▲ 0.50% · 4.625%
HK$10,690
+HK$535/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,310/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$10,104
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,418
−HK$319/mo
Today · 4.125%
HK$10,737
baseline
▲ 0.50% · 4.625%
HK$11,391
+HK$654/mo
Deposit HK$950K · loan HK$2.22M · min. income ≈ HK$21,474/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,240
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,542
−HK$306/mo
Today · 4.125%
HK$11,848
baseline
▲ 0.50% · 4.625%
HK$12,472
+HK$624/mo
Deposit HK$950K · loan HK$2.22M · min. income ≈ HK$23,696/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,991
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,395
−HK$410/mo
Today · 4.125%
HK$13,805
baseline
▲ 0.50% · 4.625%
HK$14,645
+HK$840/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$27,610/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$14,452
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,840
−HK$393/mo
Today · 4.125%
HK$15,233
baseline
▲ 0.50% · 4.625%
HK$16,036
+HK$803/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$30,466/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).