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$7,225
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,450
−HK$228/mo
Today · 4.125%
HK$7,678
baseline
▲ 0.50% · 4.625%
HK$8,146
+HK$468/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,356/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$8,038
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,254
−HK$218/mo
Today · 4.125%
HK$8,472
baseline
▲ 0.50% · 4.625%
HK$8,919
+HK$447/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,944/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$8,670
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,940
−HK$274/mo
Today · 4.125%
HK$9,214
baseline
▲ 0.50% · 4.625%
HK$9,775
+HK$561/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,428/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$9,646
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,904
−HK$263/mo
Today · 4.125%
HK$10,167
baseline
▲ 0.50% · 4.625%
HK$10,703
+HK$536/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,334/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$10,115
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,430
−HK$320/mo
Today · 4.125%
HK$10,750
baseline
▲ 0.50% · 4.625%
HK$11,404
+HK$654/mo
Deposit HK$951K · loan HK$2.22M · min. income ≈ HK$21,500/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$11,253
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,555
−HK$306/mo
Today · 4.125%
HK$11,861
baseline
▲ 0.50% · 4.625%
HK$12,487
+HK$626/mo
Deposit HK$951K · loan HK$2.22M · min. income ≈ HK$23,722/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$13,006
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,410
−HK$411/mo
Today · 4.125%
HK$13,821
baseline
▲ 0.50% · 4.625%
HK$14,662
+HK$841/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$27,642/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$14,469
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,857
−HK$393/mo
Today · 4.125%
HK$15,250
baseline
▲ 0.50% · 4.625%
HK$16,054
+HK$804/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$30,500/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).