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$7,166
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,389
−HK$226/mo
Today · 4.125%
HK$7,615
baseline
▲ 0.50% · 4.625%
HK$8,079
+HK$464/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,230/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$7,972
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,186
−HK$217/mo
Today · 4.125%
HK$8,403
baseline
▲ 0.50% · 4.625%
HK$8,846
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,806/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$8,599
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,867
−HK$271/mo
Today · 4.125%
HK$9,138
baseline
▲ 0.50% · 4.625%
HK$9,695
+HK$557/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,276/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$9,567
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,823
−HK$260/mo
Today · 4.125%
HK$10,083
baseline
▲ 0.50% · 4.625%
HK$10,615
+HK$532/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,166/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$10,032
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,344
−HK$318/mo
Today · 4.125%
HK$10,662
baseline
▲ 0.50% · 4.625%
HK$11,310
+HK$648/mo
Deposit HK$943K · loan HK$2.20M · min. income ≈ HK$21,324/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$11,161
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,460
−HK$304/mo
Today · 4.125%
HK$11,764
baseline
▲ 0.50% · 4.625%
HK$12,384
+HK$620/mo
Deposit HK$943K · loan HK$2.20M · min. income ≈ HK$23,528/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$12,899
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,300
−HK$408/mo
Today · 4.125%
HK$13,708
baseline
▲ 0.50% · 4.625%
HK$14,542
+HK$834/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$27,416/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$14,350
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,735
−HK$390/mo
Today · 4.125%
HK$15,125
baseline
▲ 0.50% · 4.625%
HK$15,922
+HK$797/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$30,250/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).