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$7,180
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,404
−HK$227/mo
Today · 4.125%
HK$7,631
baseline
▲ 0.50% · 4.625%
HK$8,095
+HK$464/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,262/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,988
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,202
−HK$218/mo
Today · 4.125%
HK$8,420
baseline
▲ 0.50% · 4.625%
HK$8,864
+HK$444/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,840/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,617
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,885
−HK$272/mo
Today · 4.125%
HK$9,157
baseline
▲ 0.50% · 4.625%
HK$9,714
+HK$557/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,314/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,586
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,843
−HK$261/mo
Today · 4.125%
HK$10,104
baseline
▲ 0.50% · 4.625%
HK$10,636
+HK$532/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,208/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,053
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,365
−HK$318/mo
Today · 4.125%
HK$10,683
baseline
▲ 0.50% · 4.625%
HK$11,333
+HK$650/mo
Deposit HK$945K · loan HK$2.20M · min. income ≈ HK$21,366/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,183
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,483
−HK$305/mo
Today · 4.125%
HK$11,788
baseline
▲ 0.50% · 4.625%
HK$12,409
+HK$621/mo
Deposit HK$945K · loan HK$2.20M · min. income ≈ HK$23,576/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,925
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,327
−HK$408/mo
Today · 4.125%
HK$13,735
baseline
▲ 0.50% · 4.625%
HK$14,571
+HK$836/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$27,470/mo (50% DSR)
Upfront cash ≈ HK$315K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,379
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,764
−HK$392/mo
Today · 4.125%
HK$15,156
baseline
▲ 0.50% · 4.625%
HK$15,954
+HK$798/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$30,312/mo (50% DSR)
Upfront cash ≈ HK$315K (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).