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$7,178
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,401
−HK$227/mo
Today · 4.125%
HK$7,628
baseline
▲ 0.50% · 4.625%
HK$8,092
+HK$464/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,256/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$7,985
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,199
−HK$218/mo
Today · 4.125%
HK$8,417
baseline
▲ 0.50% · 4.625%
HK$8,860
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,834/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$8,613
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,881
−HK$273/mo
Today · 4.125%
HK$9,154
baseline
▲ 0.50% · 4.625%
HK$9,711
+HK$557/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,308/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$9,582
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,839
−HK$261/mo
Today · 4.125%
HK$10,100
baseline
▲ 0.50% · 4.625%
HK$10,633
+HK$533/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,200/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$10,049
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,362
−HK$317/mo
Today · 4.125%
HK$10,679
baseline
▲ 0.50% · 4.625%
HK$11,329
+HK$650/mo
Deposit HK$944K · loan HK$2.20M · min. income ≈ HK$21,358/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,179
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,479
−HK$304/mo
Today · 4.125%
HK$11,783
baseline
▲ 0.50% · 4.625%
HK$12,405
+HK$622/mo
Deposit HK$944K · loan HK$2.20M · min. income ≈ HK$23,566/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,920
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,322
−HK$408/mo
Today · 4.125%
HK$13,730
baseline
▲ 0.50% · 4.625%
HK$14,566
+HK$836/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$27,460/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$14,374
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,759
−HK$391/mo
Today · 4.125%
HK$15,150
baseline
▲ 0.50% · 4.625%
HK$15,949
+HK$799/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$30,300/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).