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$7,220
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,445
−HK$228/mo
Today · 4.125%
HK$7,673
baseline
▲ 0.50% · 4.625%
HK$8,140
+HK$467/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,346/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$8,033
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,248
−HK$218/mo
Today · 4.125%
HK$8,466
baseline
▲ 0.50% · 4.625%
HK$8,913
+HK$447/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,932/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$8,664
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,934
−HK$274/mo
Today · 4.125%
HK$9,208
baseline
▲ 0.50% · 4.625%
HK$9,768
+HK$560/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,416/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$9,639
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,898
−HK$262/mo
Today · 4.125%
HK$10,160
baseline
▲ 0.50% · 4.625%
HK$10,695
+HK$535/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,320/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$10,108
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,423
−HK$319/mo
Today · 4.125%
HK$10,742
baseline
▲ 0.50% · 4.625%
HK$11,396
+HK$654/mo
Deposit HK$950K · loan HK$2.22M · min. income ≈ HK$21,484/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$11,246
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,547
−HK$306/mo
Today · 4.125%
HK$11,853
baseline
▲ 0.50% · 4.625%
HK$12,478
+HK$625/mo
Deposit HK$950K · loan HK$2.22M · min. income ≈ HK$23,706/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$12,997
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,401
−HK$411/mo
Today · 4.125%
HK$13,812
baseline
▲ 0.50% · 4.625%
HK$14,652
+HK$840/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$27,624/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$14,459
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,846
−HK$394/mo
Today · 4.125%
HK$15,240
baseline
▲ 0.50% · 4.625%
HK$16,043
+HK$803/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$30,480/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).