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$7,183
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,406
−HK$227/mo
Today · 4.125%
HK$7,633
baseline
▲ 0.50% · 4.625%
HK$8,098
+HK$465/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,266/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$7,991
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,205
−HK$218/mo
Today · 4.125%
HK$8,423
baseline
▲ 0.50% · 4.625%
HK$8,866
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,846/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$8,619
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,887
−HK$273/mo
Today · 4.125%
HK$9,160
baseline
▲ 0.50% · 4.625%
HK$9,717
+HK$557/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,320/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$9,589
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,846
−HK$261/mo
Today · 4.125%
HK$10,107
baseline
▲ 0.50% · 4.625%
HK$10,640
+HK$533/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,214/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$10,056
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,369
−HK$318/mo
Today · 4.125%
HK$10,687
baseline
▲ 0.50% · 4.625%
HK$11,337
+HK$650/mo
Deposit HK$945K · loan HK$2.20M · min. income ≈ HK$21,374/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$11,187
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,487
−HK$305/mo
Today · 4.125%
HK$11,792
baseline
▲ 0.50% · 4.625%
HK$12,413
+HK$621/mo
Deposit HK$945K · loan HK$2.20M · min. income ≈ HK$23,584/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$12,929
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,331
−HK$409/mo
Today · 4.125%
HK$13,740
baseline
▲ 0.50% · 4.625%
HK$14,576
+HK$836/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$27,480/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$14,383
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,769
−HK$392/mo
Today · 4.125%
HK$15,161
baseline
▲ 0.50% · 4.625%
HK$15,960
+HK$799/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$30,322/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).