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$7,186
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,410
−HK$227/mo
Today · 4.125%
HK$7,637
baseline
▲ 0.50% · 4.625%
HK$8,102
+HK$465/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,274/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$7,995
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,209
−HK$218/mo
Today · 4.125%
HK$8,427
baseline
▲ 0.50% · 4.625%
HK$8,871
+HK$444/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,854/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$8,624
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,892
−HK$272/mo
Today · 4.125%
HK$9,164
baseline
▲ 0.50% · 4.625%
HK$9,722
+HK$558/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,328/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$9,594
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,851
−HK$261/mo
Today · 4.125%
HK$10,112
baseline
▲ 0.50% · 4.625%
HK$10,645
+HK$533/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,224/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$10,061
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,374
−HK$318/mo
Today · 4.125%
HK$10,692
baseline
▲ 0.50% · 4.625%
HK$11,342
+HK$650/mo
Deposit HK$945K · loan HK$2.21M · min. income ≈ HK$21,384/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$11,193
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,493
−HK$304/mo
Today · 4.125%
HK$11,797
baseline
▲ 0.50% · 4.625%
HK$12,419
+HK$622/mo
Deposit HK$945K · loan HK$2.21M · min. income ≈ HK$23,594/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$12,935
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,338
−HK$409/mo
Today · 4.125%
HK$13,747
baseline
▲ 0.50% · 4.625%
HK$14,583
+HK$836/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$27,494/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$14,390
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,776
−HK$392/mo
Today · 4.125%
HK$15,168
baseline
▲ 0.50% · 4.625%
HK$15,967
+HK$799/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$30,336/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).