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$7,171
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,394
−HK$227/mo
Today · 4.125%
HK$7,621
baseline
▲ 0.50% · 4.625%
HK$8,085
+HK$464/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,242/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$7,978
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,192
−HK$217/mo
Today · 4.125%
HK$8,409
baseline
▲ 0.50% · 4.625%
HK$8,852
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,818/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$8,605
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,873
−HK$272/mo
Today · 4.125%
HK$9,145
baseline
▲ 0.50% · 4.625%
HK$9,702
+HK$557/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,290/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$9,574
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,830
−HK$261/mo
Today · 4.125%
HK$10,091
baseline
▲ 0.50% · 4.625%
HK$10,623
+HK$532/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,182/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$10,040
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,352
−HK$317/mo
Today · 4.125%
HK$10,669
baseline
▲ 0.50% · 4.625%
HK$11,319
+HK$650/mo
Deposit HK$943K · loan HK$2.20M · min. income ≈ HK$21,338/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,169
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,469
−HK$304/mo
Today · 4.125%
HK$11,773
baseline
▲ 0.50% · 4.625%
HK$12,393
+HK$620/mo
Deposit HK$943K · loan HK$2.20M · min. income ≈ HK$23,546/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,908
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,310
−HK$408/mo
Today · 4.125%
HK$13,718
baseline
▲ 0.50% · 4.625%
HK$14,552
+HK$834/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$27,436/mo (50% DSR)
Upfront cash ≈ HK$315K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,360
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,745
−HK$391/mo
Today · 4.125%
HK$15,136
baseline
▲ 0.50% · 4.625%
HK$15,934
+HK$798/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$30,272/mo (50% DSR)
Upfront cash ≈ HK$315K (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).