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$7,190
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,414
−HK$227/mo
Today · 4.125%
HK$7,641
baseline
▲ 0.50% · 4.625%
HK$8,106
+HK$465/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,282/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$7,999
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,213
−HK$218/mo
Today · 4.125%
HK$8,431
baseline
▲ 0.50% · 4.625%
HK$8,875
+HK$444/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,862/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$8,628
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,896
−HK$273/mo
Today · 4.125%
HK$9,169
baseline
▲ 0.50% · 4.625%
HK$9,727
+HK$558/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,338/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$9,599
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,856
−HK$261/mo
Today · 4.125%
HK$10,117
baseline
▲ 0.50% · 4.625%
HK$10,650
+HK$533/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,234/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$10,066
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,379
−HK$318/mo
Today · 4.125%
HK$10,697
baseline
▲ 0.50% · 4.625%
HK$11,348
+HK$651/mo
Deposit HK$946K · loan HK$2.21M · min. income ≈ HK$21,394/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$11,198
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,499
−HK$304/mo
Today · 4.125%
HK$11,803
baseline
▲ 0.50% · 4.625%
HK$12,425
+HK$622/mo
Deposit HK$946K · loan HK$2.21M · min. income ≈ HK$23,606/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$12,942
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,344
−HK$410/mo
Today · 4.125%
HK$13,754
baseline
▲ 0.50% · 4.625%
HK$14,590
+HK$836/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$27,508/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$14,398
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,784
−HK$392/mo
Today · 4.125%
HK$15,176
baseline
▲ 0.50% · 4.625%
HK$15,976
+HK$800/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$30,352/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).