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$7,192
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,415
−HK$227/mo
Today · 4.125%
HK$7,642
baseline
▲ 0.50% · 4.625%
HK$8,108
+HK$466/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,284/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$8,000
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,215
−HK$218/mo
Today · 4.125%
HK$8,433
baseline
▲ 0.50% · 4.625%
HK$8,877
+HK$444/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,866/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$8,630
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,898
−HK$273/mo
Today · 4.125%
HK$9,171
baseline
▲ 0.50% · 4.625%
HK$9,729
+HK$558/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,342/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$9,601
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,858
−HK$261/mo
Today · 4.125%
HK$10,119
baseline
▲ 0.50% · 4.625%
HK$10,653
+HK$534/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,238/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$10,068
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,381
−HK$318/mo
Today · 4.125%
HK$10,699
baseline
▲ 0.50% · 4.625%
HK$11,351
+HK$652/mo
Deposit HK$946K · loan HK$2.21M · min. income ≈ HK$21,398/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$11,201
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,501
−HK$305/mo
Today · 4.125%
HK$11,806
baseline
▲ 0.50% · 4.625%
HK$12,428
+HK$622/mo
Deposit HK$946K · loan HK$2.21M · min. income ≈ HK$23,612/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$12,945
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,347
−HK$409/mo
Today · 4.125%
HK$13,756
baseline
▲ 0.50% · 4.625%
HK$14,594
+HK$838/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$27,512/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$14,401
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,787
−HK$392/mo
Today · 4.125%
HK$15,179
baseline
▲ 0.50% · 4.625%
HK$15,979
+HK$800/mo
Deposit HK$315K · loan HK$2.84M · min. income ≈ HK$30,358/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).