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$7,184
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,408
−HK$227/mo
Today · 4.125%
HK$7,635
baseline
▲ 0.50% · 4.625%
HK$8,099
+HK$464/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,270/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$7,992
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,207
−HK$217/mo
Today · 4.125%
HK$8,424
baseline
▲ 0.50% · 4.625%
HK$8,868
+HK$444/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,848/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$8,621
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,889
−HK$272/mo
Today · 4.125%
HK$9,161
baseline
▲ 0.50% · 4.625%
HK$9,719
+HK$558/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,322/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$9,591
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,848
−HK$261/mo
Today · 4.125%
HK$10,109
baseline
▲ 0.50% · 4.625%
HK$10,642
+HK$533/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,218/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$10,058
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,371
−HK$317/mo
Today · 4.125%
HK$10,688
baseline
▲ 0.50% · 4.625%
HK$11,339
+HK$651/mo
Deposit HK$945K · loan HK$2.21M · min. income ≈ HK$21,376/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$11,189
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,489
−HK$305/mo
Today · 4.125%
HK$11,794
baseline
▲ 0.50% · 4.625%
HK$12,415
+HK$621/mo
Deposit HK$945K · loan HK$2.21M · min. income ≈ HK$23,588/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$12,931
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,334
−HK$408/mo
Today · 4.125%
HK$13,742
baseline
▲ 0.50% · 4.625%
HK$14,578
+HK$836/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$27,484/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$14,386
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,772
−HK$391/mo
Today · 4.125%
HK$15,163
baseline
▲ 0.50% · 4.625%
HK$15,962
+HK$799/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$30,326/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).