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$7,219
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,444
−HK$228/mo
Today · 4.125%
HK$7,672
baseline
▲ 0.50% · 4.625%
HK$8,139
+HK$467/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,344/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$8,031
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,247
−HK$218/mo
Today · 4.125%
HK$8,465
baseline
▲ 0.50% · 4.625%
HK$8,912
+HK$447/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,930/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$8,663
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,933
−HK$273/mo
Today · 4.125%
HK$9,206
baseline
▲ 0.50% · 4.625%
HK$9,767
+HK$561/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,412/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$9,638
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,896
−HK$262/mo
Today · 4.125%
HK$10,158
baseline
▲ 0.50% · 4.625%
HK$10,694
+HK$536/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,316/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$10,107
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,421
−HK$320/mo
Today · 4.125%
HK$10,741
baseline
▲ 0.50% · 4.625%
HK$11,394
+HK$653/mo
Deposit HK$950K · loan HK$2.22M · min. income ≈ HK$21,482/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$11,244
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,546
−HK$305/mo
Today · 4.125%
HK$11,851
baseline
▲ 0.50% · 4.625%
HK$12,476
+HK$625/mo
Deposit HK$950K · loan HK$2.22M · min. income ≈ HK$23,702/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$12,995
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,399
−HK$411/mo
Today · 4.125%
HK$13,810
baseline
▲ 0.50% · 4.625%
HK$14,650
+HK$840/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$27,620/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$14,457
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,844
−HK$394/mo
Today · 4.125%
HK$15,238
baseline
▲ 0.50% · 4.625%
HK$16,041
+HK$803/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$30,476/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).