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$7,176
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,399
−HK$227/mo
Today · 4.125%
HK$7,626
baseline
▲ 0.50% · 4.625%
HK$8,090
+HK$464/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,252/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,983
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,197
−HK$217/mo
Today · 4.125%
HK$8,414
baseline
▲ 0.50% · 4.625%
HK$8,858
+HK$444/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,828/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,611
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,879
−HK$272/mo
Today · 4.125%
HK$9,151
baseline
▲ 0.50% · 4.625%
HK$9,707
+HK$556/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,302/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$9,579
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,836
−HK$261/mo
Today · 4.125%
HK$10,097
baseline
▲ 0.50% · 4.625%
HK$10,629
+HK$532/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,194/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$10,046
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,358
−HK$318/mo
Today · 4.125%
HK$10,676
baseline
▲ 0.50% · 4.625%
HK$11,325
+HK$649/mo
Deposit HK$944K · loan HK$2.20M · min. income ≈ HK$21,352/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,176
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,476
−HK$304/mo
Today · 4.125%
HK$11,780
baseline
▲ 0.50% · 4.625%
HK$12,401
+HK$621/mo
Deposit HK$944K · loan HK$2.20M · min. income ≈ HK$23,560/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,916
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,318
−HK$408/mo
Today · 4.125%
HK$13,726
baseline
▲ 0.50% · 4.625%
HK$14,561
+HK$835/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$27,452/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$14,369
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,754
−HK$391/mo
Today · 4.125%
HK$15,145
baseline
▲ 0.50% · 4.625%
HK$15,944
+HK$799/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$30,290/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).