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$7,177
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,400
−HK$227/mo
Today · 4.125%
HK$7,627
baseline
▲ 0.50% · 4.625%
HK$8,091
+HK$464/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,254/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$7,985
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,199
−HK$217/mo
Today · 4.125%
HK$8,416
baseline
▲ 0.50% · 4.625%
HK$8,860
+HK$444/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,832/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$8,613
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,881
−HK$272/mo
Today · 4.125%
HK$9,153
baseline
▲ 0.50% · 4.625%
HK$9,710
+HK$557/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,306/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$9,581
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,838
−HK$261/mo
Today · 4.125%
HK$10,099
baseline
▲ 0.50% · 4.625%
HK$10,631
+HK$532/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,198/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$10,048
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,361
−HK$317/mo
Today · 4.125%
HK$10,678
baseline
▲ 0.50% · 4.625%
HK$11,328
+HK$650/mo
Deposit HK$944K · loan HK$2.20M · min. income ≈ HK$21,356/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$11,178
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,478
−HK$304/mo
Today · 4.125%
HK$11,782
baseline
▲ 0.50% · 4.625%
HK$12,403
+HK$621/mo
Deposit HK$944K · loan HK$2.20M · min. income ≈ HK$23,564/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$12,919
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,321
−HK$408/mo
Today · 4.125%
HK$13,729
baseline
▲ 0.50% · 4.625%
HK$14,564
+HK$835/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$27,458/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$14,372
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,758
−HK$391/mo
Today · 4.125%
HK$15,149
baseline
▲ 0.50% · 4.625%
HK$15,947
+HK$798/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$30,298/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).