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$7,161
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,383
−HK$227/mo
Today · 4.125%
HK$7,610
baseline
▲ 0.50% · 4.625%
HK$8,073
+HK$463/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,220/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$7,966
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,180
−HK$216/mo
Today · 4.125%
HK$8,396
baseline
▲ 0.50% · 4.625%
HK$8,839
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,792/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$8,593
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,860
−HK$272/mo
Today · 4.125%
HK$9,132
baseline
▲ 0.50% · 4.625%
HK$9,687
+HK$555/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$18,264/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$9,559
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,816
−HK$260/mo
Today · 4.125%
HK$10,076
baseline
▲ 0.50% · 4.625%
HK$10,607
+HK$531/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$20,152/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$10,025
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,337
−HK$316/mo
Today · 4.125%
HK$10,653
baseline
▲ 0.50% · 4.625%
HK$11,302
+HK$649/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$21,306/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$11,153
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,452
−HK$303/mo
Today · 4.125%
HK$11,755
baseline
▲ 0.50% · 4.625%
HK$12,375
+HK$620/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$23,510/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$12,889
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,290
−HK$407/mo
Today · 4.125%
HK$13,697
baseline
▲ 0.50% · 4.625%
HK$14,531
+HK$834/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$27,394/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$14,339
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,723
−HK$391/mo
Today · 4.125%
HK$15,114
baseline
▲ 0.50% · 4.625%
HK$15,910
+HK$796/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$30,228/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).