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$7,146
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,368
−HK$226/mo
Today · 4.125%
HK$7,594
baseline
▲ 0.50% · 4.625%
HK$8,056
+HK$462/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,188/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$7,950
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,163
−HK$216/mo
Today · 4.125%
HK$8,379
baseline
▲ 0.50% · 4.625%
HK$8,821
+HK$442/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,758/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$8,575
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,842
−HK$271/mo
Today · 4.125%
HK$9,113
baseline
▲ 0.50% · 4.625%
HK$9,667
+HK$554/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,226/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$9,539
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,795
−HK$260/mo
Today · 4.125%
HK$10,055
baseline
▲ 0.50% · 4.625%
HK$10,585
+HK$530/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,110/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$10,004
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,315
−HK$316/mo
Today · 4.125%
HK$10,631
baseline
▲ 0.50% · 4.625%
HK$11,278
+HK$647/mo
Deposit HK$940K · loan HK$2.19M · min. income ≈ HK$21,262/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,129
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,428
−HK$303/mo
Today · 4.125%
HK$11,731
baseline
▲ 0.50% · 4.625%
HK$12,349
+HK$618/mo
Deposit HK$940K · loan HK$2.19M · min. income ≈ HK$23,462/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,862
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,262
−HK$407/mo
Today · 4.125%
HK$13,669
baseline
▲ 0.50% · 4.625%
HK$14,501
+HK$832/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,338/mo (50% DSR)
Upfront cash ≈ HK$313K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,309
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,693
−HK$389/mo
Today · 4.125%
HK$15,082
baseline
▲ 0.50% · 4.625%
HK$15,877
+HK$795/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,164/mo (50% DSR)
Upfront cash ≈ HK$313K (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).