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$7,193
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,417
−HK$227/mo
Today · 4.125%
HK$7,644
baseline
▲ 0.50% · 4.625%
HK$8,109
+HK$465/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,288/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$8,002
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,217
−HK$218/mo
Today · 4.125%
HK$8,435
baseline
▲ 0.50% · 4.625%
HK$8,879
+HK$444/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,870/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$8,632
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,900
−HK$273/mo
Today · 4.125%
HK$9,173
baseline
▲ 0.50% · 4.625%
HK$9,731
+HK$558/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,346/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$9,603
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,860
−HK$262/mo
Today · 4.125%
HK$10,122
baseline
▲ 0.50% · 4.625%
HK$10,655
+HK$533/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,244/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$10,070
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,384
−HK$318/mo
Today · 4.125%
HK$10,702
baseline
▲ 0.50% · 4.625%
HK$11,353
+HK$651/mo
Deposit HK$946K · loan HK$2.21M · min. income ≈ HK$21,404/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$11,203
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,504
−HK$305/mo
Today · 4.125%
HK$11,809
baseline
▲ 0.50% · 4.625%
HK$12,431
+HK$622/mo
Deposit HK$946K · loan HK$2.21M · min. income ≈ HK$23,618/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$12,948
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,350
−HK$410/mo
Today · 4.125%
HK$13,760
baseline
▲ 0.50% · 4.625%
HK$14,597
+HK$837/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$27,520/mo (50% DSR)
Upfront cash ≈ HK$316K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,404
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,791
−HK$391/mo
Today · 4.125%
HK$15,182
baseline
▲ 0.50% · 4.625%
HK$15,983
+HK$801/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$30,364/mo (50% DSR)
Upfront cash ≈ HK$316K (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).