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$7,156
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,378
−HK$227/mo
Today · 4.125%
HK$7,605
baseline
▲ 0.50% · 4.625%
HK$8,067
+HK$462/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,210/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$7,961
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,174
−HK$217/mo
Today · 4.125%
HK$8,391
baseline
▲ 0.50% · 4.625%
HK$8,833
+HK$442/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,782/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$8,587
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,854
−HK$272/mo
Today · 4.125%
HK$9,126
baseline
▲ 0.50% · 4.625%
HK$9,681
+HK$555/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$18,252/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$9,553
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,809
−HK$260/mo
Today · 4.125%
HK$10,069
baseline
▲ 0.50% · 4.625%
HK$10,600
+HK$531/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$20,138/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$10,018
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,330
−HK$316/mo
Today · 4.125%
HK$10,646
baseline
▲ 0.50% · 4.625%
HK$11,294
+HK$648/mo
Deposit HK$941K · loan HK$2.20M · min. income ≈ HK$21,292/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,145
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,444
−HK$303/mo
Today · 4.125%
HK$11,747
baseline
▲ 0.50% · 4.625%
HK$12,367
+HK$620/mo
Deposit HK$941K · loan HK$2.20M · min. income ≈ HK$23,494/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,881
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,281
−HK$407/mo
Today · 4.125%
HK$13,688
baseline
▲ 0.50% · 4.625%
HK$14,521
+HK$833/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$27,376/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$14,329
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,714
−HK$390/mo
Today · 4.125%
HK$15,104
baseline
▲ 0.50% · 4.625%
HK$15,900
+HK$796/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$30,208/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).