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$7,192
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,416
−HK$228/mo
Today · 4.125%
HK$7,644
baseline
▲ 0.50% · 4.625%
HK$8,109
+HK$465/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,288/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$8,002
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,216
−HK$218/mo
Today · 4.125%
HK$8,434
baseline
▲ 0.50% · 4.625%
HK$8,878
+HK$444/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,868/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$8,631
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,899
−HK$273/mo
Today · 4.125%
HK$9,172
baseline
▲ 0.50% · 4.625%
HK$9,730
+HK$558/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,344/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$9,602
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,859
−HK$262/mo
Today · 4.125%
HK$10,121
baseline
▲ 0.50% · 4.625%
HK$10,654
+HK$533/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,242/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$10,069
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,383
−HK$318/mo
Today · 4.125%
HK$10,701
baseline
▲ 0.50% · 4.625%
HK$11,352
+HK$651/mo
Deposit HK$946K · loan HK$2.21M · min. income ≈ HK$21,402/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$11,202
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,503
−HK$304/mo
Today · 4.125%
HK$11,807
baseline
▲ 0.50% · 4.625%
HK$12,430
+HK$623/mo
Deposit HK$946K · loan HK$2.21M · min. income ≈ HK$23,614/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$12,946
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,349
−HK$409/mo
Today · 4.125%
HK$13,758
baseline
▲ 0.50% · 4.625%
HK$14,596
+HK$838/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$27,516/mo (50% DSR)
Upfront cash ≈ HK$316K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,403
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,789
−HK$392/mo
Today · 4.125%
HK$15,181
baseline
▲ 0.50% · 4.625%
HK$15,981
+HK$800/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$30,362/mo (50% DSR)
Upfront cash ≈ HK$316K (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).