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$7,189
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,413
−HK$227/mo
Today · 4.125%
HK$7,640
baseline
▲ 0.50% · 4.625%
HK$8,105
+HK$465/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,280/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$7,998
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,213
−HK$217/mo
Today · 4.125%
HK$8,430
baseline
▲ 0.50% · 4.625%
HK$8,875
+HK$445/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,860/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$8,627
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,896
−HK$272/mo
Today · 4.125%
HK$9,168
baseline
▲ 0.50% · 4.625%
HK$9,726
+HK$558/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,336/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$9,598
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,855
−HK$261/mo
Today · 4.125%
HK$10,116
baseline
▲ 0.50% · 4.625%
HK$10,650
+HK$534/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,232/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$10,065
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,378
−HK$318/mo
Today · 4.125%
HK$10,696
baseline
▲ 0.50% · 4.625%
HK$11,347
+HK$651/mo
Deposit HK$946K · loan HK$2.21M · min. income ≈ HK$21,392/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$11,197
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,498
−HK$304/mo
Today · 4.125%
HK$11,802
baseline
▲ 0.50% · 4.625%
HK$12,424
+HK$622/mo
Deposit HK$946K · loan HK$2.21M · min. income ≈ HK$23,604/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$12,941
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,343
−HK$409/mo
Today · 4.125%
HK$13,752
baseline
▲ 0.50% · 4.625%
HK$14,589
+HK$837/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$27,504/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$14,397
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,783
−HK$391/mo
Today · 4.125%
HK$15,174
baseline
▲ 0.50% · 4.625%
HK$15,974
+HK$800/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$30,348/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).