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$7,139
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,361
−HK$226/mo
Today · 4.125%
HK$7,587
baseline
▲ 0.50% · 4.625%
HK$8,049
+HK$462/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,174/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$7,942
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,156
−HK$216/mo
Today · 4.125%
HK$8,372
baseline
▲ 0.50% · 4.625%
HK$8,813
+HK$441/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,744/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$8,567
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,834
−HK$271/mo
Today · 4.125%
HK$9,105
baseline
▲ 0.50% · 4.625%
HK$9,658
+HK$553/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,210/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$9,531
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,787
−HK$259/mo
Today · 4.125%
HK$10,046
baseline
▲ 0.50% · 4.625%
HK$10,575
+HK$529/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,092/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$9,995
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,306
−HK$316/mo
Today · 4.125%
HK$10,622
baseline
▲ 0.50% · 4.625%
HK$11,268
+HK$646/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$21,244/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,119
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,418
−HK$302/mo
Today · 4.125%
HK$11,720
baseline
▲ 0.50% · 4.625%
HK$12,338
+HK$618/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$23,440/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,851
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,251
−HK$406/mo
Today · 4.125%
HK$13,657
baseline
▲ 0.50% · 4.625%
HK$14,488
+HK$831/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,314/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$14,296
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,680
−HK$389/mo
Today · 4.125%
HK$15,069
baseline
▲ 0.50% · 4.625%
HK$15,863
+HK$794/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,138/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).