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$7,192
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,416
−HK$227/mo
Today · 4.125%
HK$7,643
baseline
▲ 0.50% · 4.625%
HK$8,108
+HK$465/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,286/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$8,001
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,215
−HK$218/mo
Today · 4.125%
HK$8,433
baseline
▲ 0.50% · 4.625%
HK$8,878
+HK$445/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,866/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$8,630
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,899
−HK$272/mo
Today · 4.125%
HK$9,171
baseline
▲ 0.50% · 4.625%
HK$9,729
+HK$558/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,342/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$9,601
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,859
−HK$261/mo
Today · 4.125%
HK$10,120
baseline
▲ 0.50% · 4.625%
HK$10,653
+HK$533/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,240/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$10,069
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,382
−HK$318/mo
Today · 4.125%
HK$10,700
baseline
▲ 0.50% · 4.625%
HK$11,351
+HK$651/mo
Deposit HK$946K · loan HK$2.21M · min. income ≈ HK$21,400/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$11,201
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,502
−HK$304/mo
Today · 4.125%
HK$11,806
baseline
▲ 0.50% · 4.625%
HK$12,429
+HK$623/mo
Deposit HK$946K · loan HK$2.21M · min. income ≈ HK$23,612/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$12,945
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,348
−HK$409/mo
Today · 4.125%
HK$13,757
baseline
▲ 0.50% · 4.625%
HK$14,594
+HK$837/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$27,514/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$14,402
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,788
−HK$392/mo
Today · 4.125%
HK$15,180
baseline
▲ 0.50% · 4.625%
HK$15,980
+HK$800/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$30,360/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).