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$7,165
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,387
−HK$227/mo
Today · 4.125%
HK$7,614
baseline
▲ 0.50% · 4.625%
HK$8,077
+HK$463/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,228/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$7,970
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,184
−HK$217/mo
Today · 4.125%
HK$8,401
baseline
▲ 0.50% · 4.625%
HK$8,844
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,802/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$8,597
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,865
−HK$272/mo
Today · 4.125%
HK$9,137
baseline
▲ 0.50% · 4.625%
HK$9,693
+HK$556/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,274/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$9,565
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,821
−HK$260/mo
Today · 4.125%
HK$10,081
baseline
▲ 0.50% · 4.625%
HK$10,613
+HK$532/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,162/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$10,030
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,342
−HK$317/mo
Today · 4.125%
HK$10,659
baseline
▲ 0.50% · 4.625%
HK$11,308
+HK$649/mo
Deposit HK$943K · loan HK$2.20M · min. income ≈ HK$21,318/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,159
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,458
−HK$304/mo
Today · 4.125%
HK$11,762
baseline
▲ 0.50% · 4.625%
HK$12,382
+HK$620/mo
Deposit HK$943K · loan HK$2.20M · min. income ≈ HK$23,524/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,896
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,297
−HK$408/mo
Today · 4.125%
HK$13,705
baseline
▲ 0.50% · 4.625%
HK$14,539
+HK$834/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$27,410/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$14,347
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,732
−HK$390/mo
Today · 4.125%
HK$15,122
baseline
▲ 0.50% · 4.625%
HK$15,919
+HK$797/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$30,244/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).