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$7,194
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,418
−HK$227/mo
Today · 4.125%
HK$7,645
baseline
▲ 0.50% · 4.625%
HK$8,110
+HK$465/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,290/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$8,003
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,218
−HK$217/mo
Today · 4.125%
HK$8,435
baseline
▲ 0.50% · 4.625%
HK$8,880
+HK$445/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,870/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$8,633
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,901
−HK$273/mo
Today · 4.125%
HK$9,174
baseline
▲ 0.50% · 4.625%
HK$9,732
+HK$558/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,348/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$9,604
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,861
−HK$261/mo
Today · 4.125%
HK$10,122
baseline
▲ 0.50% · 4.625%
HK$10,656
+HK$534/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,244/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$10,071
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,385
−HK$318/mo
Today · 4.125%
HK$10,703
baseline
▲ 0.50% · 4.625%
HK$11,354
+HK$651/mo
Deposit HK$946K · loan HK$2.21M · min. income ≈ HK$21,406/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,204
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,505
−HK$305/mo
Today · 4.125%
HK$11,810
baseline
▲ 0.50% · 4.625%
HK$12,432
+HK$622/mo
Deposit HK$946K · loan HK$2.21M · min. income ≈ HK$23,620/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,949
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,352
−HK$409/mo
Today · 4.125%
HK$13,761
baseline
▲ 0.50% · 4.625%
HK$14,598
+HK$837/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$27,522/mo (50% DSR)
Upfront cash ≈ HK$316K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,405
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,792
−HK$392/mo
Today · 4.125%
HK$15,184
baseline
▲ 0.50% · 4.625%
HK$15,984
+HK$800/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$30,368/mo (50% DSR)
Upfront cash ≈ HK$316K (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).