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$7,185
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,408
−HK$227/mo
Today · 4.125%
HK$7,635
baseline
▲ 0.50% · 4.625%
HK$8,100
+HK$465/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,270/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$7,993
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,207
−HK$218/mo
Today · 4.125%
HK$8,425
baseline
▲ 0.50% · 4.625%
HK$8,869
+HK$444/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,850/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$8,621
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,890
−HK$272/mo
Today · 4.125%
HK$9,162
baseline
▲ 0.50% · 4.625%
HK$9,720
+HK$558/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,324/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$9,591
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,849
−HK$260/mo
Today · 4.125%
HK$10,109
baseline
▲ 0.50% · 4.625%
HK$10,642
+HK$533/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,218/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$10,058
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,371
−HK$318/mo
Today · 4.125%
HK$10,689
baseline
▲ 0.50% · 4.625%
HK$11,340
+HK$651/mo
Deposit HK$945K · loan HK$2.21M · min. income ≈ HK$21,378/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$11,190
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,490
−HK$304/mo
Today · 4.125%
HK$11,794
baseline
▲ 0.50% · 4.625%
HK$12,416
+HK$622/mo
Deposit HK$945K · loan HK$2.21M · min. income ≈ HK$23,588/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$12,932
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,334
−HK$409/mo
Today · 4.125%
HK$13,743
baseline
▲ 0.50% · 4.625%
HK$14,579
+HK$836/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$27,486/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$14,387
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,773
−HK$391/mo
Today · 4.125%
HK$15,164
baseline
▲ 0.50% · 4.625%
HK$15,964
+HK$800/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$30,328/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).