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$7,368
−HK$225/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$7,949
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,162
−HK$217/mo
Today · 4.125%
HK$8,379
baseline
▲ 0.50% · 4.625%
HK$8,820
+HK$441/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,758/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$8,574
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,841
−HK$271/mo
Today · 4.125%
HK$9,112
baseline
▲ 0.50% · 4.625%
HK$9,666
+HK$554/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,224/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$9,539
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,795
−HK$259/mo
Today · 4.125%
HK$10,054
baseline
▲ 0.50% · 4.625%
HK$10,584
+HK$530/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,108/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$10,003
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,315
−HK$316/mo
Today · 4.125%
HK$10,631
baseline
▲ 0.50% · 4.625%
HK$11,278
+HK$647/mo
Deposit HK$940K · loan HK$2.19M · min. income ≈ HK$21,262/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$11,129
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,427
−HK$303/mo
Today · 4.125%
HK$11,730
baseline
▲ 0.50% · 4.625%
HK$12,348
+HK$618/mo
Deposit HK$940K · loan HK$2.19M · min. income ≈ HK$23,460/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$12,862
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,262
−HK$406/mo
Today · 4.125%
HK$13,668
baseline
▲ 0.50% · 4.625%
HK$14,500
+HK$832/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,336/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$14,308
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,692
−HK$389/mo
Today · 4.125%
HK$15,081
baseline
▲ 0.50% · 4.625%
HK$15,876
+HK$795/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,162/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).