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$7,173
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,396
−HK$226/mo
Today · 4.125%
HK$7,622
baseline
▲ 0.50% · 4.625%
HK$8,086
+HK$464/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,244/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$7,979
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,193
−HK$218/mo
Today · 4.125%
HK$8,411
baseline
▲ 0.50% · 4.625%
HK$8,854
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,822/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$8,607
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,875
−HK$272/mo
Today · 4.125%
HK$9,147
baseline
▲ 0.50% · 4.625%
HK$9,703
+HK$556/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,294/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$9,575
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,832
−HK$261/mo
Today · 4.125%
HK$10,093
baseline
▲ 0.50% · 4.625%
HK$10,625
+HK$532/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,186/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$10,042
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,354
−HK$317/mo
Today · 4.125%
HK$10,671
baseline
▲ 0.50% · 4.625%
HK$11,321
+HK$650/mo
Deposit HK$944K · loan HK$2.20M · min. income ≈ HK$21,342/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$11,171
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,471
−HK$304/mo
Today · 4.125%
HK$11,775
baseline
▲ 0.50% · 4.625%
HK$12,395
+HK$620/mo
Deposit HK$944K · loan HK$2.20M · min. income ≈ HK$23,550/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$12,911
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,312
−HK$408/mo
Today · 4.125%
HK$13,720
baseline
▲ 0.50% · 4.625%
HK$14,555
+HK$835/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$27,440/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$14,363
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,748
−HK$391/mo
Today · 4.125%
HK$15,139
baseline
▲ 0.50% · 4.625%
HK$15,937
+HK$798/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$30,278/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).