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$7,157
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,379
−HK$226/mo
Today · 4.125%
HK$7,605
baseline
▲ 0.50% · 4.625%
HK$8,068
+HK$463/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,210/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$7,962
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,175
−HK$217/mo
Today · 4.125%
HK$8,392
baseline
▲ 0.50% · 4.625%
HK$8,834
+HK$442/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,784/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$8,588
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,855
−HK$271/mo
Today · 4.125%
HK$9,126
baseline
▲ 0.50% · 4.625%
HK$9,682
+HK$556/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$18,252/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$9,554
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,810
−HK$260/mo
Today · 4.125%
HK$10,070
baseline
▲ 0.50% · 4.625%
HK$10,601
+HK$531/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$20,140/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$10,019
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,331
−HK$316/mo
Today · 4.125%
HK$10,647
baseline
▲ 0.50% · 4.625%
HK$11,295
+HK$648/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$21,294/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$11,146
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,445
−HK$303/mo
Today · 4.125%
HK$11,748
baseline
▲ 0.50% · 4.625%
HK$12,368
+HK$620/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$23,496/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$12,882
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,282
−HK$408/mo
Today · 4.125%
HK$13,690
baseline
▲ 0.50% · 4.625%
HK$14,523
+HK$833/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$27,380/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$14,331
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,715
−HK$390/mo
Today · 4.125%
HK$15,105
baseline
▲ 0.50% · 4.625%
HK$15,901
+HK$796/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$30,210/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).