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$7,179
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,402
−HK$227/mo
Today · 4.125%
HK$7,629
baseline
▲ 0.50% · 4.625%
HK$8,093
+HK$464/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,258/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$7,986
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,200
−HK$218/mo
Today · 4.125%
HK$8,418
baseline
▲ 0.50% · 4.625%
HK$8,861
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,836/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$8,614
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,882
−HK$273/mo
Today · 4.125%
HK$9,155
baseline
▲ 0.50% · 4.625%
HK$9,712
+HK$557/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,310/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$9,583
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,840
−HK$261/mo
Today · 4.125%
HK$10,101
baseline
▲ 0.50% · 4.625%
HK$10,634
+HK$533/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,202/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$10,050
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,363
−HK$317/mo
Today · 4.125%
HK$10,680
baseline
▲ 0.50% · 4.625%
HK$11,330
+HK$650/mo
Deposit HK$944K · loan HK$2.20M · min. income ≈ HK$21,360/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,181
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,480
−HK$305/mo
Today · 4.125%
HK$11,785
baseline
▲ 0.50% · 4.625%
HK$12,406
+HK$621/mo
Deposit HK$944K · loan HK$2.20M · min. income ≈ HK$23,570/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,922
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,323
−HK$409/mo
Today · 4.125%
HK$13,732
baseline
▲ 0.50% · 4.625%
HK$14,567
+HK$835/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$27,464/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$14,375
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,761
−HK$391/mo
Today · 4.125%
HK$15,152
baseline
▲ 0.50% · 4.625%
HK$15,950
+HK$798/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$30,304/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).