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$7,172
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,395
−HK$226/mo
Today · 4.125%
HK$7,621
baseline
▲ 0.50% · 4.625%
HK$8,085
+HK$464/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,242/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$7,978
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,192
−HK$218/mo
Today · 4.125%
HK$8,410
baseline
▲ 0.50% · 4.625%
HK$8,853
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,820/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$8,606
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,874
−HK$272/mo
Today · 4.125%
HK$9,146
baseline
▲ 0.50% · 4.625%
HK$9,702
+HK$556/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,292/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$9,574
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,831
−HK$260/mo
Today · 4.125%
HK$10,091
baseline
▲ 0.50% · 4.625%
HK$10,623
+HK$532/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,182/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$10,040
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,353
−HK$317/mo
Today · 4.125%
HK$10,670
baseline
▲ 0.50% · 4.625%
HK$11,319
+HK$649/mo
Deposit HK$944K · loan HK$2.20M · min. income ≈ HK$21,340/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,170
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,469
−HK$304/mo
Today · 4.125%
HK$11,773
baseline
▲ 0.50% · 4.625%
HK$12,394
+HK$621/mo
Deposit HK$944K · loan HK$2.20M · min. income ≈ HK$23,546/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,909
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,311
−HK$408/mo
Today · 4.125%
HK$13,719
baseline
▲ 0.50% · 4.625%
HK$14,553
+HK$834/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$27,438/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$14,361
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,746
−HK$391/mo
Today · 4.125%
HK$15,137
baseline
▲ 0.50% · 4.625%
HK$15,935
+HK$798/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$30,274/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).