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$7,188
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,412
−HK$227/mo
Today · 4.125%
HK$7,639
baseline
▲ 0.50% · 4.625%
HK$8,104
+HK$465/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,278/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$7,997
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,212
−HK$217/mo
Today · 4.125%
HK$8,429
baseline
▲ 0.50% · 4.625%
HK$8,873
+HK$444/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,858/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$8,626
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,895
−HK$272/mo
Today · 4.125%
HK$9,167
baseline
▲ 0.50% · 4.625%
HK$9,725
+HK$558/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,334/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$9,597
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,854
−HK$261/mo
Today · 4.125%
HK$10,115
baseline
▲ 0.50% · 4.625%
HK$10,648
+HK$533/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,230/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$10,064
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,377
−HK$318/mo
Today · 4.125%
HK$10,695
baseline
▲ 0.50% · 4.625%
HK$11,346
+HK$651/mo
Deposit HK$946K · loan HK$2.21M · min. income ≈ HK$21,390/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$11,196
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,496
−HK$305/mo
Today · 4.125%
HK$11,801
baseline
▲ 0.50% · 4.625%
HK$12,423
+HK$622/mo
Deposit HK$946K · loan HK$2.21M · min. income ≈ HK$23,602/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$12,939
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,342
−HK$409/mo
Today · 4.125%
HK$13,751
baseline
▲ 0.50% · 4.625%
HK$14,587
+HK$836/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$27,502/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$14,395
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,781
−HK$392/mo
Today · 4.125%
HK$15,173
baseline
▲ 0.50% · 4.625%
HK$15,972
+HK$799/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$30,346/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).