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$7,153
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,375
−HK$226/mo
Today · 4.125%
HK$7,601
baseline
▲ 0.50% · 4.625%
HK$8,064
+HK$463/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,202/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$7,958
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,171
−HK$216/mo
Today · 4.125%
HK$8,387
baseline
▲ 0.50% · 4.625%
HK$8,830
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,774/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$8,584
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,851
−HK$271/mo
Today · 4.125%
HK$9,122
baseline
▲ 0.50% · 4.625%
HK$9,677
+HK$555/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,244/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$9,549
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,805
−HK$260/mo
Today · 4.125%
HK$10,065
baseline
▲ 0.50% · 4.625%
HK$10,596
+HK$531/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,130/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$10,014
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,326
−HK$316/mo
Today · 4.125%
HK$10,642
baseline
▲ 0.50% · 4.625%
HK$11,290
+HK$648/mo
Deposit HK$941K · loan HK$2.20M · min. income ≈ HK$21,284/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$11,141
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,439
−HK$303/mo
Today · 4.125%
HK$11,742
baseline
▲ 0.50% · 4.625%
HK$12,361
+HK$619/mo
Deposit HK$941K · loan HK$2.20M · min. income ≈ HK$23,484/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$12,875
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,276
−HK$407/mo
Today · 4.125%
HK$13,683
baseline
▲ 0.50% · 4.625%
HK$14,515
+HK$832/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$27,366/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$14,324
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,708
−HK$389/mo
Today · 4.125%
HK$15,097
baseline
▲ 0.50% · 4.625%
HK$15,893
+HK$796/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$30,194/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).