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$7,186
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,410
−HK$227/mo
Today · 4.125%
HK$7,637
baseline
▲ 0.50% · 4.625%
HK$8,101
+HK$464/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$7,994
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,209
−HK$217/mo
Today · 4.125%
HK$8,426
baseline
▲ 0.50% · 4.625%
HK$8,870
+HK$444/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,852/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$8,623
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,891
−HK$273/mo
Today · 4.125%
HK$9,164
baseline
▲ 0.50% · 4.625%
HK$9,722
+HK$558/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,328/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$9,593
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,851
−HK$261/mo
Today · 4.125%
HK$10,112
baseline
▲ 0.50% · 4.625%
HK$10,645
+HK$533/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,224/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$10,060
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,373
−HK$318/mo
Today · 4.125%
HK$10,691
baseline
▲ 0.50% · 4.625%
HK$11,342
+HK$651/mo
Deposit HK$945K · loan HK$2.21M · min. income ≈ HK$21,382/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$11,192
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,492
−HK$305/mo
Today · 4.125%
HK$11,797
baseline
▲ 0.50% · 4.625%
HK$12,419
+HK$622/mo
Deposit HK$945K · loan HK$2.21M · min. income ≈ HK$23,594/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$12,935
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,337
−HK$409/mo
Today · 4.125%
HK$13,746
baseline
▲ 0.50% · 4.625%
HK$14,582
+HK$836/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$27,492/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$14,390
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,776
−HK$391/mo
Today · 4.125%
HK$15,167
baseline
▲ 0.50% · 4.625%
HK$15,967
+HK$800/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$30,334/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).