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$7,182
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,406
−HK$227/mo
Today · 4.125%
HK$7,633
baseline
▲ 0.50% · 4.625%
HK$8,097
+HK$464/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,266/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$7,990
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,205
−HK$217/mo
Today · 4.125%
HK$8,422
baseline
▲ 0.50% · 4.625%
HK$8,866
+HK$444/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,844/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$8,619
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,887
−HK$272/mo
Today · 4.125%
HK$9,159
baseline
▲ 0.50% · 4.625%
HK$9,717
+HK$558/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,318/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$9,589
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,846
−HK$261/mo
Today · 4.125%
HK$10,107
baseline
▲ 0.50% · 4.625%
HK$10,639
+HK$532/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,214/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$10,055
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,368
−HK$318/mo
Today · 4.125%
HK$10,686
baseline
▲ 0.50% · 4.625%
HK$11,336
+HK$650/mo
Deposit HK$945K · loan HK$2.20M · min. income ≈ HK$21,372/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$11,187
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,487
−HK$304/mo
Today · 4.125%
HK$11,791
baseline
▲ 0.50% · 4.625%
HK$12,413
+HK$622/mo
Deposit HK$945K · loan HK$2.20M · min. income ≈ HK$23,582/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$12,928
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,331
−HK$408/mo
Today · 4.125%
HK$13,739
baseline
▲ 0.50% · 4.625%
HK$14,575
+HK$836/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$27,478/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$14,383
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,769
−HK$391/mo
Today · 4.125%
HK$15,160
baseline
▲ 0.50% · 4.625%
HK$15,959
+HK$799/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$30,320/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).