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$7,150
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,372
−HK$226/mo
Today · 4.125%
HK$7,598
baseline
▲ 0.50% · 4.625%
HK$8,061
+HK$463/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,196/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$7,954
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,168
−HK$216/mo
Today · 4.125%
HK$8,384
baseline
▲ 0.50% · 4.625%
HK$8,826
+HK$442/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,768/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$8,580
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,847
−HK$271/mo
Today · 4.125%
HK$9,118
baseline
▲ 0.50% · 4.625%
HK$9,673
+HK$555/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,236/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,545
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,801
−HK$260/mo
Today · 4.125%
HK$10,061
baseline
▲ 0.50% · 4.625%
HK$10,591
+HK$530/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,122/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,010
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,321
−HK$317/mo
Today · 4.125%
HK$10,638
baseline
▲ 0.50% · 4.625%
HK$11,285
+HK$647/mo
Deposit HK$941K · loan HK$2.19M · min. income ≈ HK$21,276/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,136
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,435
−HK$303/mo
Today · 4.125%
HK$11,738
baseline
▲ 0.50% · 4.625%
HK$12,356
+HK$618/mo
Deposit HK$941K · loan HK$2.19M · min. income ≈ HK$23,476/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,870
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,270
−HK$407/mo
Today · 4.125%
HK$13,677
baseline
▲ 0.50% · 4.625%
HK$14,509
+HK$832/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$27,354/mo (50% DSR)
Upfront cash ≈ HK$314K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,318
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,702
−HK$389/mo
Today · 4.125%
HK$15,091
baseline
▲ 0.50% · 4.625%
HK$15,887
+HK$796/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$30,182/mo (50% DSR)
Upfront cash ≈ HK$314K (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).