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$7,149
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,371
−HK$226/mo
Today · 4.125%
HK$7,597
baseline
▲ 0.50% · 4.625%
HK$8,059
+HK$462/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,194/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$7,953
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,166
−HK$217/mo
Today · 4.125%
HK$8,383
baseline
▲ 0.50% · 4.625%
HK$8,825
+HK$442/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,766/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$8,579
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,846
−HK$271/mo
Today · 4.125%
HK$9,117
baseline
▲ 0.50% · 4.625%
HK$9,671
+HK$554/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,234/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$9,544
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,800
−HK$259/mo
Today · 4.125%
HK$10,059
baseline
▲ 0.50% · 4.625%
HK$10,590
+HK$531/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,118/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$10,008
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,320
−HK$316/mo
Today · 4.125%
HK$10,636
baseline
▲ 0.50% · 4.625%
HK$11,283
+HK$647/mo
Deposit HK$941K · loan HK$2.19M · min. income ≈ HK$21,272/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$11,134
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,433
−HK$303/mo
Today · 4.125%
HK$11,736
baseline
▲ 0.50% · 4.625%
HK$12,354
+HK$618/mo
Deposit HK$941K · loan HK$2.19M · min. income ≈ HK$23,472/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$12,868
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,268
−HK$407/mo
Today · 4.125%
HK$13,675
baseline
▲ 0.50% · 4.625%
HK$14,507
+HK$832/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$27,350/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$14,316
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,700
−HK$389/mo
Today · 4.125%
HK$15,089
baseline
▲ 0.50% · 4.625%
HK$15,884
+HK$795/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$30,178/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).