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$7,181
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,405
−HK$227/mo
Today · 4.125%
HK$7,632
baseline
▲ 0.50% · 4.625%
HK$8,096
+HK$464/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,264/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$7,989
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,204
−HK$217/mo
Today · 4.125%
HK$8,421
baseline
▲ 0.50% · 4.625%
HK$8,865
+HK$444/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,842/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$8,618
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,886
−HK$272/mo
Today · 4.125%
HK$9,158
baseline
▲ 0.50% · 4.625%
HK$9,715
+HK$557/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,316/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$9,587
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,844
−HK$261/mo
Today · 4.125%
HK$10,105
baseline
▲ 0.50% · 4.625%
HK$10,638
+HK$533/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,210/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$10,054
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,367
−HK$318/mo
Today · 4.125%
HK$10,685
baseline
▲ 0.50% · 4.625%
HK$11,335
+HK$650/mo
Deposit HK$945K · loan HK$2.20M · min. income ≈ HK$21,370/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$11,185
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,485
−HK$304/mo
Today · 4.125%
HK$11,789
baseline
▲ 0.50% · 4.625%
HK$12,411
+HK$622/mo
Deposit HK$945K · loan HK$2.20M · min. income ≈ HK$23,578/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$12,927
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,329
−HK$408/mo
Today · 4.125%
HK$13,737
baseline
▲ 0.50% · 4.625%
HK$14,573
+HK$836/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$27,474/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$14,381
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,766
−HK$392/mo
Today · 4.125%
HK$15,158
baseline
▲ 0.50% · 4.625%
HK$15,957
+HK$799/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$30,316/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).