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$429/mo
▼ 0.25% · 3.875%
HK$8,164
−HK$216/mo
Today · 4.125%
HK$8,380
baseline
▲ 0.50% · 4.625%
HK$8,822
+HK$442/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,760/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$8,576
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,843
−HK$271/mo
Today · 4.125%
HK$9,114
baseline
▲ 0.50% · 4.625%
HK$9,668
+HK$554/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$515/mo
▼ 0.25% · 3.875%
HK$9,797
−HK$259/mo
Today · 4.125%
HK$10,056
baseline
▲ 0.50% · 4.625%
HK$10,586
+HK$530/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,112/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$10,005
−HK$628/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$11,131
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,429
−HK$303/mo
Today · 4.125%
HK$11,732
baseline
▲ 0.50% · 4.625%
HK$12,351
+HK$619/mo
Deposit HK$940K · loan HK$2.19M · min. income ≈ HK$23,464/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$12,864
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,264
−HK$407/mo
Today · 4.125%
HK$13,671
baseline
▲ 0.50% · 4.625%
HK$14,503
+HK$832/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,342/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$14,311
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,695
−HK$389/mo
Today · 4.125%
HK$15,084
baseline
▲ 0.50% · 4.625%
HK$15,879
+HK$795/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,168/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).