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$7,159
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,382
−HK$226/mo
Today · 4.125%
HK$7,608
baseline
▲ 0.50% · 4.625%
HK$8,071
+HK$463/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,216/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$7,964
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,178
−HK$217/mo
Today · 4.125%
HK$8,395
baseline
▲ 0.50% · 4.625%
HK$8,837
+HK$442/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,790/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$8,591
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,858
−HK$272/mo
Today · 4.125%
HK$9,130
baseline
▲ 0.50% · 4.625%
HK$9,685
+HK$555/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$18,260/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$9,557
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,814
−HK$260/mo
Today · 4.125%
HK$10,074
baseline
▲ 0.50% · 4.625%
HK$10,605
+HK$531/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$20,148/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$10,023
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,334
−HK$317/mo
Today · 4.125%
HK$10,651
baseline
▲ 0.50% · 4.625%
HK$11,299
+HK$648/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$21,302/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$11,150
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,449
−HK$304/mo
Today · 4.125%
HK$11,753
baseline
▲ 0.50% · 4.625%
HK$12,372
+HK$619/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$23,506/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$12,886
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,287
−HK$407/mo
Today · 4.125%
HK$13,694
baseline
▲ 0.50% · 4.625%
HK$14,528
+HK$834/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$27,388/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$14,336
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,720
−HK$390/mo
Today · 4.125%
HK$15,110
baseline
▲ 0.50% · 4.625%
HK$15,907
+HK$797/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$30,220/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).