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$7,147
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,369
−HK$226/mo
Today · 4.125%
HK$7,595
baseline
▲ 0.50% · 4.625%
HK$8,057
+HK$462/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,190/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$7,951
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,164
−HK$217/mo
Today · 4.125%
HK$8,381
baseline
▲ 0.50% · 4.625%
HK$8,822
+HK$441/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,762/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$8,577
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,843
−HK$271/mo
Today · 4.125%
HK$9,114
baseline
▲ 0.50% · 4.625%
HK$9,669
+HK$555/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,228/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$9,541
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,797
−HK$260/mo
Today · 4.125%
HK$10,057
baseline
▲ 0.50% · 4.625%
HK$10,587
+HK$530/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,114/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$10,006
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,317
−HK$316/mo
Today · 4.125%
HK$10,633
baseline
▲ 0.50% · 4.625%
HK$11,280
+HK$647/mo
Deposit HK$940K · loan HK$2.19M · min. income ≈ HK$21,266/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$11,132
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,430
−HK$303/mo
Today · 4.125%
HK$11,733
baseline
▲ 0.50% · 4.625%
HK$12,351
+HK$618/mo
Deposit HK$940K · loan HK$2.19M · min. income ≈ HK$23,466/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$12,865
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,265
−HK$407/mo
Today · 4.125%
HK$13,672
baseline
▲ 0.50% · 4.625%
HK$14,503
+HK$831/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,344/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$14,312
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,696
−HK$389/mo
Today · 4.125%
HK$15,085
baseline
▲ 0.50% · 4.625%
HK$15,880
+HK$795/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,170/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).