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$7,148
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,371
−HK$225/mo
Today · 4.125%
HK$7,596
baseline
▲ 0.50% · 4.625%
HK$8,059
+HK$463/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,192/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$7,952
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,166
−HK$216/mo
Today · 4.125%
HK$8,382
baseline
▲ 0.50% · 4.625%
HK$8,824
+HK$442/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,764/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$8,578
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,845
−HK$271/mo
Today · 4.125%
HK$9,116
baseline
▲ 0.50% · 4.625%
HK$9,670
+HK$554/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,232/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$9,543
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,799
−HK$259/mo
Today · 4.125%
HK$10,058
baseline
▲ 0.50% · 4.625%
HK$10,588
+HK$530/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,116/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$10,007
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,319
−HK$316/mo
Today · 4.125%
HK$10,635
baseline
▲ 0.50% · 4.625%
HK$11,282
+HK$647/mo
Deposit HK$940K · loan HK$2.19M · min. income ≈ HK$21,270/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$11,133
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,432
−HK$303/mo
Today · 4.125%
HK$11,735
baseline
▲ 0.50% · 4.625%
HK$12,353
+HK$618/mo
Deposit HK$940K · loan HK$2.19M · min. income ≈ HK$23,470/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$12,867
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,267
−HK$407/mo
Today · 4.125%
HK$13,674
baseline
▲ 0.50% · 4.625%
HK$14,506
+HK$832/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,348/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$14,314
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,698
−HK$389/mo
Today · 4.125%
HK$15,087
baseline
▲ 0.50% · 4.625%
HK$15,883
+HK$796/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,174/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).