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$7,174
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,397
−HK$227/mo
Today · 4.125%
HK$7,624
baseline
▲ 0.50% · 4.625%
HK$8,088
+HK$464/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,248/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$7,981
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,195
−HK$217/mo
Today · 4.125%
HK$8,412
baseline
▲ 0.50% · 4.625%
HK$8,856
+HK$444/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,824/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$8,609
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,877
−HK$272/mo
Today · 4.125%
HK$9,149
baseline
▲ 0.50% · 4.625%
HK$9,705
+HK$556/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,298/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$9,577
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,834
−HK$261/mo
Today · 4.125%
HK$10,095
baseline
▲ 0.50% · 4.625%
HK$10,627
+HK$532/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,190/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$10,044
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,356
−HK$317/mo
Today · 4.125%
HK$10,673
baseline
▲ 0.50% · 4.625%
HK$11,323
+HK$650/mo
Deposit HK$944K · loan HK$2.20M · min. income ≈ HK$21,346/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$11,173
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,473
−HK$304/mo
Today · 4.125%
HK$11,777
baseline
▲ 0.50% · 4.625%
HK$12,398
+HK$621/mo
Deposit HK$944K · loan HK$2.20M · min. income ≈ HK$23,554/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$12,913
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,315
−HK$408/mo
Today · 4.125%
HK$13,723
baseline
▲ 0.50% · 4.625%
HK$14,558
+HK$835/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$27,446/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$14,366
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,751
−HK$391/mo
Today · 4.125%
HK$15,142
baseline
▲ 0.50% · 4.625%
HK$15,940
+HK$798/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$30,284/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).