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$7,175
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,398
−HK$227/mo
Today · 4.125%
HK$7,625
baseline
▲ 0.50% · 4.625%
HK$8,089
+HK$464/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,250/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$7,982
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,196
−HK$217/mo
Today · 4.125%
HK$8,413
baseline
▲ 0.50% · 4.625%
HK$8,856
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,826/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$8,610
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,877
−HK$273/mo
Today · 4.125%
HK$9,150
baseline
▲ 0.50% · 4.625%
HK$9,706
+HK$556/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,300/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$9,578
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,835
−HK$261/mo
Today · 4.125%
HK$10,096
baseline
▲ 0.50% · 4.625%
HK$10,628
+HK$532/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,192/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$10,045
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,357
−HK$317/mo
Today · 4.125%
HK$10,674
baseline
▲ 0.50% · 4.625%
HK$11,324
+HK$650/mo
Deposit HK$944K · loan HK$2.20M · min. income ≈ HK$21,348/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$11,174
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,474
−HK$304/mo
Today · 4.125%
HK$11,778
baseline
▲ 0.50% · 4.625%
HK$12,399
+HK$621/mo
Deposit HK$944K · loan HK$2.20M · min. income ≈ HK$23,556/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$12,914
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,316
−HK$408/mo
Today · 4.125%
HK$13,724
baseline
▲ 0.50% · 4.625%
HK$14,559
+HK$835/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$27,448/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$14,367
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,753
−HK$390/mo
Today · 4.125%
HK$15,143
baseline
▲ 0.50% · 4.625%
HK$15,942
+HK$799/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$30,286/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).