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$7,145
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,367
−HK$226/mo
Today · 4.125%
HK$7,593
baseline
▲ 0.50% · 4.625%
HK$8,055
+HK$462/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,186/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$7,948
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,161
−HK$217/mo
Today · 4.125%
HK$8,378
baseline
▲ 0.50% · 4.625%
HK$8,819
+HK$441/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,756/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$8,573
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,840
−HK$271/mo
Today · 4.125%
HK$9,111
baseline
▲ 0.50% · 4.625%
HK$9,665
+HK$554/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,222/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$9,538
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,794
−HK$259/mo
Today · 4.125%
HK$10,053
baseline
▲ 0.50% · 4.625%
HK$10,583
+HK$530/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,106/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$10,002
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,314
−HK$316/mo
Today · 4.125%
HK$10,630
baseline
▲ 0.50% · 4.625%
HK$11,276
+HK$646/mo
Deposit HK$940K · loan HK$2.19M · min. income ≈ HK$21,260/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,128
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,426
−HK$303/mo
Today · 4.125%
HK$11,729
baseline
▲ 0.50% · 4.625%
HK$12,347
+HK$618/mo
Deposit HK$940K · loan HK$2.19M · min. income ≈ HK$23,458/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,860
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,260
−HK$407/mo
Today · 4.125%
HK$13,667
baseline
▲ 0.50% · 4.625%
HK$14,498
+HK$831/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,334/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$14,307
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,691
−HK$389/mo
Today · 4.125%
HK$15,080
baseline
▲ 0.50% · 4.625%
HK$15,875
+HK$795/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,160/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).