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$7,185
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,409
−HK$227/mo
Today · 4.125%
HK$7,636
baseline
▲ 0.50% · 4.625%
HK$8,100
+HK$464/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,272/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$7,993
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,208
−HK$217/mo
Today · 4.125%
HK$8,425
baseline
▲ 0.50% · 4.625%
HK$8,869
+HK$444/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,850/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$8,622
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,890
−HK$273/mo
Today · 4.125%
HK$9,163
baseline
▲ 0.50% · 4.625%
HK$9,720
+HK$557/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,326/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$9,592
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,849
−HK$261/mo
Today · 4.125%
HK$10,110
baseline
▲ 0.50% · 4.625%
HK$10,643
+HK$533/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,220/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$10,059
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,372
−HK$318/mo
Today · 4.125%
HK$10,690
baseline
▲ 0.50% · 4.625%
HK$11,341
+HK$651/mo
Deposit HK$945K · loan HK$2.21M · min. income ≈ HK$21,380/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$11,191
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,491
−HK$304/mo
Today · 4.125%
HK$11,795
baseline
▲ 0.50% · 4.625%
HK$12,417
+HK$622/mo
Deposit HK$945K · loan HK$2.21M · min. income ≈ HK$23,590/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$12,933
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,336
−HK$408/mo
Today · 4.125%
HK$13,744
baseline
▲ 0.50% · 4.625%
HK$14,581
+HK$837/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$27,488/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$14,388
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,774
−HK$392/mo
Today · 4.125%
HK$15,166
baseline
▲ 0.50% · 4.625%
HK$15,965
+HK$799/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$30,332/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).