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$7,178
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,402
−HK$226/mo
Today · 4.125%
HK$7,628
baseline
▲ 0.50% · 4.625%
HK$8,093
+HK$465/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,256/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$7,986
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,200
−HK$217/mo
Today · 4.125%
HK$8,417
baseline
▲ 0.50% · 4.625%
HK$8,861
+HK$444/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,834/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$8,614
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,882
−HK$272/mo
Today · 4.125%
HK$9,154
baseline
▲ 0.50% · 4.625%
HK$9,711
+HK$557/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,308/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$9,583
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,840
−HK$261/mo
Today · 4.125%
HK$10,101
baseline
▲ 0.50% · 4.625%
HK$10,633
+HK$532/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,202/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$10,050
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,362
−HK$318/mo
Today · 4.125%
HK$10,680
baseline
▲ 0.50% · 4.625%
HK$11,330
+HK$650/mo
Deposit HK$944K · loan HK$2.20M · min. income ≈ HK$21,360/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,180
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,480
−HK$304/mo
Today · 4.125%
HK$11,784
baseline
▲ 0.50% · 4.625%
HK$12,405
+HK$621/mo
Deposit HK$944K · loan HK$2.20M · min. income ≈ HK$23,568/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,921
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,323
−HK$408/mo
Today · 4.125%
HK$13,731
baseline
▲ 0.50% · 4.625%
HK$14,567
+HK$836/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$27,462/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$14,374
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,760
−HK$391/mo
Today · 4.125%
HK$15,151
baseline
▲ 0.50% · 4.625%
HK$15,950
+HK$799/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$30,302/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).