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$7,187
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,410
−HK$227/mo
Today · 4.125%
HK$7,637
baseline
▲ 0.50% · 4.625%
HK$8,102
+HK$465/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,274/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$7,995
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,210
−HK$217/mo
Today · 4.125%
HK$8,427
baseline
▲ 0.50% · 4.625%
HK$8,871
+HK$444/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,854/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$8,624
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,892
−HK$273/mo
Today · 4.125%
HK$9,165
baseline
▲ 0.50% · 4.625%
HK$9,723
+HK$558/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,330/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$9,594
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,852
−HK$261/mo
Today · 4.125%
HK$10,113
baseline
▲ 0.50% · 4.625%
HK$10,646
+HK$533/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,226/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$10,062
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,375
−HK$317/mo
Today · 4.125%
HK$10,692
baseline
▲ 0.50% · 4.625%
HK$11,343
+HK$651/mo
Deposit HK$946K · loan HK$2.21M · min. income ≈ HK$21,384/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,193
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,494
−HK$304/mo
Today · 4.125%
HK$11,798
baseline
▲ 0.50% · 4.625%
HK$12,420
+HK$622/mo
Deposit HK$946K · loan HK$2.21M · min. income ≈ HK$23,596/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,936
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,339
−HK$408/mo
Today · 4.125%
HK$13,747
baseline
▲ 0.50% · 4.625%
HK$14,584
+HK$837/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$27,494/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$14,391
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,777
−HK$392/mo
Today · 4.125%
HK$15,169
baseline
▲ 0.50% · 4.625%
HK$15,969
+HK$800/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$30,338/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).