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$7,191
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,415
−HK$227/mo
Today · 4.125%
HK$7,642
baseline
▲ 0.50% · 4.625%
HK$8,107
+HK$465/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,284/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$8,000
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,214
−HK$218/mo
Today · 4.125%
HK$8,432
baseline
▲ 0.50% · 4.625%
HK$8,876
+HK$444/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,864/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$8,629
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,897
−HK$273/mo
Today · 4.125%
HK$9,170
baseline
▲ 0.50% · 4.625%
HK$9,728
+HK$558/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,340/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$9,600
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,857
−HK$261/mo
Today · 4.125%
HK$10,118
baseline
▲ 0.50% · 4.625%
HK$10,652
+HK$534/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,236/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$10,067
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,380
−HK$319/mo
Today · 4.125%
HK$10,699
baseline
▲ 0.50% · 4.625%
HK$11,349
+HK$650/mo
Deposit HK$946K · loan HK$2.21M · min. income ≈ HK$21,398/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,200
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,500
−HK$305/mo
Today · 4.125%
HK$11,805
baseline
▲ 0.50% · 4.625%
HK$12,427
+HK$622/mo
Deposit HK$946K · loan HK$2.21M · min. income ≈ HK$23,610/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,944
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,346
−HK$409/mo
Today · 4.125%
HK$13,755
baseline
▲ 0.50% · 4.625%
HK$14,592
+HK$837/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$27,510/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$14,400
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,786
−HK$392/mo
Today · 4.125%
HK$15,178
baseline
▲ 0.50% · 4.625%
HK$15,978
+HK$800/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$30,356/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).