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$7,182
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,405
−HK$227/mo
Today · 4.125%
HK$7,632
baseline
▲ 0.50% · 4.625%
HK$8,097
+HK$465/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,264/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$7,990
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,204
−HK$218/mo
Today · 4.125%
HK$8,422
baseline
▲ 0.50% · 4.625%
HK$8,865
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,844/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$8,618
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,886
−HK$273/mo
Today · 4.125%
HK$9,159
baseline
▲ 0.50% · 4.625%
HK$9,716
+HK$557/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,318/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$9,588
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,845
−HK$261/mo
Today · 4.125%
HK$10,106
baseline
▲ 0.50% · 4.625%
HK$10,639
+HK$533/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,212/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$10,055
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,368
−HK$317/mo
Today · 4.125%
HK$10,685
baseline
▲ 0.50% · 4.625%
HK$11,336
+HK$651/mo
Deposit HK$945K · loan HK$2.20M · min. income ≈ HK$21,370/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$11,186
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,486
−HK$304/mo
Today · 4.125%
HK$11,790
baseline
▲ 0.50% · 4.625%
HK$12,412
+HK$622/mo
Deposit HK$945K · loan HK$2.20M · min. income ≈ HK$23,580/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$12,928
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,330
−HK$408/mo
Today · 4.125%
HK$13,738
baseline
▲ 0.50% · 4.625%
HK$14,574
+HK$836/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$27,476/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$14,382
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,768
−HK$391/mo
Today · 4.125%
HK$15,159
baseline
▲ 0.50% · 4.625%
HK$15,958
+HK$799/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$30,318/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).