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$7,169
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,392
−HK$226/mo
Today · 4.125%
HK$7,618
baseline
▲ 0.50% · 4.625%
HK$8,082
+HK$464/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,236/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$7,975
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,189
−HK$217/mo
Today · 4.125%
HK$8,406
baseline
▲ 0.50% · 4.625%
HK$8,849
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,812/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$8,603
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,870
−HK$272/mo
Today · 4.125%
HK$9,142
baseline
▲ 0.50% · 4.625%
HK$9,698
+HK$556/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,284/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$9,570
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,827
−HK$260/mo
Today · 4.125%
HK$10,087
baseline
▲ 0.50% · 4.625%
HK$10,619
+HK$532/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,174/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$10,036
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,349
−HK$317/mo
Today · 4.125%
HK$10,666
baseline
▲ 0.50% · 4.625%
HK$11,315
+HK$649/mo
Deposit HK$943K · loan HK$2.20M · min. income ≈ HK$21,332/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,165
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,465
−HK$304/mo
Today · 4.125%
HK$11,769
baseline
▲ 0.50% · 4.625%
HK$12,389
+HK$620/mo
Deposit HK$943K · loan HK$2.20M · min. income ≈ HK$23,538/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,904
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,305
−HK$408/mo
Today · 4.125%
HK$13,713
baseline
▲ 0.50% · 4.625%
HK$14,547
+HK$834/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$27,426/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$14,355
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,740
−HK$391/mo
Today · 4.125%
HK$15,131
baseline
▲ 0.50% · 4.625%
HK$15,929
+HK$798/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$30,262/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).